Find the present values of these ordinary annuities. Discounting occurs once a year. Do not round intermediate calculations. Round your answers to the nearest cent.

1. $400 per year for 12 years at 4%.

   $

2. $200 per year for 6 years at 2%.

   $

3. $700 per year for 6 years at 0%.

   $

4. Rework previous parts assuming they are annuities due.

   Present value of $400 per year for 12 years at 4%: $

   Present value of $200 per year for 6 years at 2%: $

   Present value of $700 per year for 6 years at 0%: $