21. What is the future value of $100 invested at the end of each year for three years if the money is invested at 12% interest compounded quarterly? 22. What is the present value of $500 invested at the end of each year for four (4 years if the money is invested at 8% interest compounded quarterly? 23. How long must you leave $5,000 invested at 6% compounded semiannually for the investment to grow to $10.000