Flo has the opportunity to make 8.5% APY in her retirement account. She PV Rate Months Payments FV Jack has a neighbor who wants to borrow $10,000 to start a business. His neighbor has offered to pay Jack back in 15 years with annual interest rate of 12%. Jack has a cousin who also wants to borrow $10,000 for 15 years but his cousin has offered to pay Jack 16% interest for the first 5 years, 12% interest for years 6-10, and 8% interest for years 11-15. After 15 years, how much money would Jack have from his neighbor? How much from his cousin? Who would you recommend Jack lend the money to? Assume interest is compounded bi-annually in both scenarios. Don't copy and paste numbers, leave formulas so I can see your calculations. Cousin (1-5) Cousin (6-10) Cousin (11-15) Neighbor PV Rate Months Payments FV