I know the answers as they are given above. However, I need to show how these answers were derived. Thanks!

A. 20-YEAR OLD STUDENT WANTS TO BEGIN SAVING FOR HER RETIREMENT. HER PLAN IS TO SAVE S3 A DAY. EVERY DAY SHE PLACES $3 IN A DRAWER. AT THE END OF EACH YEAR, SHE INVESTS THE ACCUMULATED SAVINGS ($1,095) IN AN ONLINE STOCK ACCOUNT THAT HAS AN EXPECTED ANNUAL RETURN OF 12 PERCENT. 1 IF SHE KEEPS SAVING IN THIS MANNER, HOW MUCH WILL SHE HAVE ACCUMULATED BY AGE 65? Answer: FV-s1,487,261.89 PV is NOT= 1095 or-1095 ***Can you verify that the FV would-2,009,416.34 if instead she was able to invest the 3 dollars every day instead? N-365*45, ily-12/365, pv-0, pmt-3, fv