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.

a. $900 per year for 14 years at 8%.

b. $450 per year for 7 years at 4%.

c. $300 per year for 6 years at 0%.

d. Rework previous parts assuming they are annuities due.

- Present value of $900 per year for 14 years at 8%

- Present value of $450 per year for 7 years at 4%

- Present value of $300 per year for 6 years at 0%