Find the present values of these ordinary annuities. Discounting occurs once a year. Round your answers to the nearest cent.

$$900$ per year for $16$ years at $12\%.$

$

$$450$ per year for $8$ years at $6\%.$

$

$$400$ per year for $14$ years at $0\%.$

$

Rework previous parts assuming that they are annuities due. Round your answers to the nearest cent.

$$900$ per year for $16$ years at $12\%.$

$

$$450$ per year for $8$ years at $6\%$