Adam Smith is thinking about investing $80,000 into an account that guarantees 9% interest. Calculate the value of the account one year from now. (Round to 2 decimals) 12 Suppose you are given the following information: Years: 30 Interest Rate: 5% APR, compounded semi-annual Future Value: $10,000 Calculate the present value of this expected future cash flow. (Enter a positive number and round 2 decimals)