Assume you will work for the next 20 years and at the end of each year you will deposit $20,000 into a savings account. At the end of that 20 year period you will start withdrawing your retirement living expenses from that account at the beginning of every year. This financial plan involves a _____ problem while you are working and a _____ problem while you are in retirement.

a present value of a dollar, future value of a dollar

a future value of an annuity due, a present value of an annuity due

a future value of an annuity due, a present value of an ordinary annuity

a future value of an ordinary annuity, a present value of an annuity due

a future value of an ordinary annuity, a present value of an ordinary annuity