If the interest rate is 5%, the present value of $1000 to be received 5 years from today is $. (Round your response to the nearest two decimal place) You are in a car accident, and you receive an insurance settlement of $4000 per year for the next three years. The first payment is to be received today. The second payment is to be received one year from today, and the third payment two years from today. If the interest rate is 4%, the present value of the insurance settlement is \$ (Round your response to the nearest two decimal place) The most accurate measure of interest rates is