In seven years, when he is discharged from the Air Force, Steve wants to buy a $15,000 power boat. Click here to view Exhibit 12B-1 and Exhibit 12B-2, to determine the appropriate discount factor(s) using tables. Required: What lump-sum amount must Steve invest now to have the $15,000 at the end of seven years if he can invest money at: (Round your final answers to the nearest whole dollar amount.)