Present and future value tables of $1 at 3% are presented below. N FV $1 PV $1 FVA $1 1 1.03000 0.97087 1.0000 PVA $1 FVAD $1 0.97087 PVAD $1 1.0300 1.00000 2 1.06090 0.94260 2.0300 4 3 1.09273 0.91514 1.12551 0.88849 5 1.15927 0.86261 1.91347 3.0909 2.82861 2.0909 1.97087 3.1836 2.91347 4.1836 3.71710 4.3091 3.82861 5.3091 4.57971 5.4684 4.71710 6 1.19405 0.83748 6.4684 5.41719 6.6625 5.57971 7 1.22987 0.81309 7.6625 6.23028 7.8923 6.41719 8 1.26677 0.78941 8.8923 7.01969 9.1591 7.23028 9 1.30477 0.76642 10 1.34392 0.74409 11 1.38423 0.72242 10.1591 7.78611 10.4639 8.01969 11.4639 8.53020 11.8078 8.78611 12.8078 9.25262 13.1920 9.53020 12 1.42576 0.70138 13 1.46853 0.68095 15.6178 14 1.51259 0.66112 14.1920 9.95400 14.6178 10.25262 10.63496 17.0863 11.29607 15 1.55797 0.64186 18.5989 11.93794) 16 1.60471 0.62317 20.1569 12.56110 16.0863 10.95400 17.5989 11.63496 19.1569 12.29607 20.7616 12.93794 Bill wants to give Maria a $640,000 gift in 5 years. If money is worth 6% compounded semiannually, what is Maria's gift worth today? Help Save & E