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5) If the current rate of interest is 8%, then the future value 20 years from now of an investment that pays $1000 per year and lasts 20 years is closest to: A) $45,762. B) $36,725. C) $9818. D) $93,219. 6) If the appropriate interest rate is 8%, then present value of $500 paid at the end of each of the next 40 years is closest to: A) $23. B) $5962. C) $6439. D) $20,000. 7) The effective annual rate (EAR) for a loan with a stated APR of 10% compounded quarterly is closest to: A) 9.65%. B) 10.00%. C) 10.38%. D) 12.50%