Calculations (Variable Points): 34. Use the following table to calculate the present value and cumulative value of returns for the past 4 years using a discount rate of 5%. Fill in the blanks. (4 points). Years ==> 2 3 I 4 Returns $20,000.00 $20,000.00 $20,000.00 $20,000.00 Pres. Val. ? ? ? Cumulative Val. ? ? ? ? 1 2 35. The estimated total payment on a 7 year loan is $86,000. Using the values in the table below what is the payback period on this investment? (4 points). 4 5 6 7 Years Returns Pres. Val. Cumulative Val. 1 2 $20,000 $20,000 $19,048 $18,141 3 $20,000 $20,000 $17,277 $16,454 $20,000 $20,000 $15,671 $14,924 $20,000 $14,214 $19,048 $37,188 $54,465 $70,919 $86,590 $101,514 $115,727