Four years ago, Jay had $19,200 in his account. In 5 years from today, he expects to have $41,600. If he has earned and expects to earn the same return each year from 4 years ago to 5 years from today, then how much does he have today?

If XYZ invested $5,800 today in an account that is expected to earn 3.2 percent per year, and she expects to make another investment in the same account in 3 years from today, then how much money does XYZ expect to invest in 3 years if she expects to have $15,000 in her account in 4 years from today?