P5-33 Value of a mixed stream For each of the mixed streams of cash flows shown in the following table, calculate the future value at the end of the final year if deposits are made into an account paying annual intertest of 8%. Assume that no withdrawals are made during the period and that the deposits are made a. At the end of each year (i.e., the first deposit occurs one year from now) b. At the beginning of each year (i.e., the first deposit occurs immediately) Year 1 2 3 4 5 X $20,000 10,000 15,000 Cash flow stream Y $7,000 9,000 6,000 5,000 8,000 Z $15,000 12,000 13,000 11,000