A. Solve using a spreadsheet program such as Excel. Indicate the spread- sheet formula showing numeric val- ues rather than cell references. For example, for the value that $100 today could grow to in 2 years, assuming 10 percent annual compounding, the spreadsheet solution formula would be = FV(10%, 2, 0, 100). Note that since there is no annuity payment (PMT) in this problem, it is necessary to show the blank between two commas or a zero after the number of periods. In addition, answer the questions using formulas with cell references. B. Solve using a financial calculator. This is optional. 5-16. If you have $8,500 today, and you could earn 3 percent interest per year, how many years would it be before you would accumulate $10,000 (assume annual compounding)?