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. $1,000 per year for 12 years at 6%.

   $

2. $500 per year for 6 years at 3%.

   $

3. $900 per year for 6 years at 0%.

   $

4. Rework previous parts assuming they are annuities due.

   Present value of $1,000 per year for 12 years at 6%: $

   Present value of $500 per year for 6 years at 3%: $

   Present value of $900 per year for 6 years at 0%: $