13. You would like to have $147,073 in 38 years to move to Europe when you retire. If you think you can earn 0.62% per month on your money, how much must you deposit today? 15. You bought a stock for 48 6 years ago. If the stock is worth $181 today, what is the implied return? (Convert to a percent. Round to 2 decimal places.) 16. You want to have $6,789 in 7 years. If you have $3,800 to invest today, what interest rate must you earn? (Convert to a percent. Round to 2 decimal places.)