21. What is the future value of deposits of $4,000 at the end of each year for 20 years, if the account earns 10 per year? 22. What is the future value of deposits of $10,000 made every six months for 5 years, if the account earns 8% compounded semiannually per year? 23. What is the future value of deposits of $5,000 made every three months for 10 years, if the account earns 11% compounded quarterly per year? 24. What is the future value of deposits of $1,000 per month for 15 years, if the account earns 12% compounded monthly per year? 25. Owen borrows $150,000 to buy a condo. He financed the condo over 15 years at 8% interest and will make monthly payments. His wise uncle advised him to invest the payment in an equity mutual fund rather than buying the condo. How much would Owen accumulate over the same time period if her invested in the equity mutual fund that was able to ear 8% compounded monthly?