If you can, please answer these questions step by step without graphs or tables. So I can understand the process needed to complete this on other occasions. Thank you in advance.

$654.($Calculating complex annuity payments$)$ Milhouse, $22,$ is about to begin his career as a rocket scientist for a NASA contractor. Being a rocket scientist, Milhouse knows that he should begin saving for retirement immediately. Part of his inspiration came from reading an article on Social Security in Time. The article indicated that the ratio of workers paying taxes to retirees collecting checks will drop dramatically in the future. In fact, the number will drop to two workers for every retiree in $2040.$ Milhouse$$s retirement plan allows him to make equal yearly contributions, and it pays $9$ percent interest annually. Upon retirement, Milhouse plans to buy a new boat, which he estimates will cost him $$300,000$ in $43$ years, which is when he plans to retire $($at age $65).$ He also estimates that in order to live comfortably he will require a yearly income of $$80,000$ for each year after he retires. Based on his family history, Milhouse expects to live until age $80($that is$,$ he would like to receive a payment of $$80,000$ at the end of each year for $15$ years$).$ When he retires, Milhouse will purchase his boat in one lump sum and place the remaining balance into an account that pays $6$ percent interest, from which he will withdraw his $$80,000$ per year. If Milhouse$$s first contribution is made one year from today and his last is made the day he retires, how much money must he contribute each year to his retirement fund?

$643.($Calculating the present value of a perpetuity$)$ What will be the present value of a perpetual payment of $400$ per year if the applicable discount rate is $6$ percent? What will be its value if the discount rate is changed to $3$ percent?

$645.($Calculating the present value of a growing perpetuity$)$ A pension plan pays $30,000$ at the end of Year $1$ and then grows at the rate of $3$ percent per year indefinitely. What is the present value if the rate of interest to discount the cash flow is $7$ percent?

$652.($Calculating the present value of complex cash flows$)$ How much do you have to deposit in an account paying $8$ percent per annum if you want to withdraw $15,000$ at the end of Year $5$ and then $5,000$ each year for next five years $($from Year $6$ to Year $10)?$