A=20, B=35, C=10, D=60, E=5, interest is 1% per month, compounded monthly; Calculate the present worth (at the beginning of year 0) and the future worth (at the end of year 12) for the presented cash flow. C+3E C+2E C+E Year B(1+0.03) B(1+0.03)^2 B(1+0.03)^3