Find the future value of the following annuities. The first payment in these annuities is made at the end of Year 1, so they are ordinary annuities. (Notes: See the Hint to Problem 4-9. Also, note that you can leave values in the TVM register, switch to Begin Mode, press FV, and find the FV of the annuity due.)

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

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

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

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