A noninterest-bearing note of amount X is due in 3 months. A Finance company calculates the value of the note today to be $3825. Find X under each of the following interest calculation methods:

a) compound interest at an annual effective interest rate of 9%.

b) compound discount at an annual effective discount rate of 9%.

c) a simple interest rate of 9%.

d) a simple discount rate of 9%.

Each of the answers are in the $3900-$3920 range, but not sure on the specific formulas.