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23. Future value of savings (5 points) As a high-school graduation gift, your parents gave you $3,000. Instead of spending the money, you deposited the

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23. Future value of savings (5 points) As a high-school graduation gift, your parents gave you $3,000. Instead of spending the money, you deposited the funds in a savings account that pays 1.6% APR, but with interest compounded quarterly. If you do not make any withdrawals from this account, how much will you have after 3 years

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