Calculate the present value of the following:

a$-1.$ Annual payment of $$1,225$ for $10$ years at $5\%$ interest. $($Do not round intermediate calculations. Round your answer to $2$ decimal places.$)$

a$-2.$ Annual payment of $$1,025$ for $15$ years at $5\%$ interest. $($Do not round intermediate calculations. Round your answer to $2$ decimal places.$)$

a$-3.$ Which option would you prefer?

b$-1.$ Annual payment of $$1,225$ for $10$ years at $20\%$ interest. $($Do not round intermediate calculations. Round your answer to $2$ decimal places.$)$

b$-2.$ Annual payment of $$1,025$ for $15$ years at $20\%$ interest. $($Do not round intermediate calculations. Round your answer to $2$ decimal places.$)$

b$-3.$ Which option would you prefer?

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