Find the present value of the following.

$\backslash$table$[[\backslash$table$[[$Amount$],[$Needed$]],\backslash$table$[[$Time$],[($Years$)]],$Rate,Compounded$],[8.$ $$40,000,8,4\%,$annually$],[9.$ $$5000,12,10\%,$quarterly$],[10.$ $$20,000,10,5\%,$quarterly$]]$