3 Use a financial calculator or computer software program to answer the following questions: a) Melanie is trying to save money for retirement and has a future goal of $450,000 at the end of 20 years. Determine the present value of her goal using a discount rate of 10%. b) How would the present value change if the $450,000 is to be received at the end of 15 years instead? Explain the impact and show your work?