A) The annual interest rate is 4.1%. The annual cash flow of a perpetuity is $661. The first cash flow of the perpetuity came 3 year(s) ago. Please find the PV of the perpetuity?

B) Suppose the interest rate is always 7.3%. Your grandparents deposit $445,680 at a bank for you. The bank agrees that starting 18 years from now you and or offspring can withdraw a fixed amount of cash each year forever. Find the amount of the yearly cash flow.