18. Assuming an interest rate of 2.125% p.a., but with monthly compounding, what is the future value at the end of year 37 of annual deposits of $2500 with the first deposit made at the end of year 5 and the last deposit made at the end of year 30? a. $97,601.71 b. $94,478.47 c. $108,496.33 d. $99,587.59 e. None of the answers listed above are within $0.50 of the correct answer. 19. Assume that for $100,000 you can purchase a 10-year ordinary annuity that will pay you a yearly amount of 12,560.33 per year for 10 years. Now assume that there is another annuity that has the same annual interest rate as this 10-year ordinary annuity, but it is instead a 10-year annuity due. If the 10- year annuity due has the same annual payment (i.e., $12,560.33 per year for 10 years), what is the present value (i.e., the price) of the annuity due? a. $86,176,39 b. $104,375.01 c. $109,876.33 d. $99,986,57 e. None of the answers listed above are within $0.50 of the correct