How much must you deposit into an account today so that you can have $25,000 in ten years? Assume that the account earns 5% per year compounded quarterly. You should deposit $ (Round the final answer to the nearest cent as needed. Keep all decimal places as you work through the problem.) What is the present value of a $15,000 lump sum that you will receive three years from now and that was in an account that earned 5% per year compounded semi-annually? The present value is $. (Round the final answer to the nearest cent as needed. Keep all decimal places as you work through the problem.)