Find the future value of the following annuities. The first payment in these annuities is nade at the end of Year 1, so they are ordinary annuities.

a. $800 per year for 10 years at 8%.

b. $400 per year for 5 years at 4%.

c. $800 per year for 5 years at 0%.

Now rework parts a, b, and c assuming that payments are made at the begining of each year; that is they are annuities due.

d. $800 per year for 10 years at 8%.

e. $400 per year for 5 years at 4%.

f. $800 per year for 5 years at 0%.