Complete the following using present value. (Use the Table 12.3.) (Do not round intermediate calculations. Round the "PV factor" to 4 decimal places and final answer to the nearest cent.) On PV Table 12.3 Amount desired at end of period Length of time Rate Compounded Period used Rate used PV factor used PV of amount desired at end of period $ 19,600 4 years 24 % Quarterly %