4) a) Find the future amount equivalence of three cash in-flows of $2000 at the end of month 1, 3, and 5 at the end of month 9 at an interest rate of 12% per year, compounded quarterly. b) Find the present amount equivalence of 5 cash in-flows of $1000 at the end of year 1, 2, 3, 5, and 6 at an interest rate of 6% per year, compounded semiannually.