4. (10 pts) Please show your work (a) Using the PVIF table, calculate the following: You want to have $12000 in 8 years, and you know you can earn 4% per year in your savings account. How much do you need to deposit today in order to achieve your goal? (b) Using the FVIF table, calculate the following: Your company is awarded a prize of $20000 for an innovative design. You do not need the cash at the moment and decide to invest in bonds that earn 3% and mature in 5 years. How much will your award money grow by the time the bonds mature