Claire receives $3,000 at the beginning of each year. Steve receives $3,000 at the end of each year. Both Claire and Steve will receive payments for next five years. At a discount rate of 6%, what is the difference in the present value of these two sets of payments? [Enter your answer to the nearest USD. Do not use a dollar sign or commas to separate thousands, just enter the number] O'Neill Surfboards forecasts that company sales for July, August, and September with be $12,100, $10,900, and $12,300, respectively. The company's experience is that 40% of customers pay in the month in which they purchase, 35% pay the in the month following the month of their purchase, and 22% pay a month later. The remainder do not pay. What cash does O'Neill expect to collect in September? [Enter your answer to the nearest USD. Do not use a dollar sign or commas to separate thousands, just enter the number]