Calculate the present value of the following future cash flows, rounding all calculations to the nearest dollar: $ 11 comma 000 received in seven years with interest of 5% 12. $ 11 comma 000 received in each of the following seven years with interest of 5% 13. Payments of $ 5 comma 500, $ 4 comma 000, and $ 6 comma 000 received in years 5, 6 and 7, respectively, with interest of 8%