Future value with periodic rates. Matt Johnson delivers newspapers and is putting away $45 at the end of each quarter from his paper route collections. Matt is 10 years old and will use the money when he goes to college in 8 years. What will be the value of Matt's account in 8 years with his quarterly payments if he is earning 4.5% (APR), 9% (APR), or 14.5% (APR)