H T G F E C D How much will be in an account at the end of five years if the amount deposited today is $18,000 and interest is quoted at 10%, compounded semi-annually? First calculate the effective annual rate (cells C9:59) Then calculate the FV using the EAR as the annual rate (cells C15:F15) Make sure the FV is a positive number (like an inflow) Compounding periods per year EAR RATE EAR FV PV NPER . DS po PIO PT