Present and future value tables of $1 at 3% are presented below: N FV $1 PV $1 FVA $1 PVA $1 1 1.03000 10.97087 1.0000 0.97087 2 1.06090 0.94260 2.0300 1.91347 3 1.09273 0.91514 3.0909 2.82861 4 1.12551 0.88849 4.1836 3.71710 5 1.15927 10.86261 5.3091 4.57971 6 1.19405 0.83748 6.4684 5.41719 7 1.22987 0.81309 7.6625 6.23028 8 1.26677 0.78941 8.8923 7.01969 9 1.30477 0.76642 10.1591 7.78611 10 1.34392 0.74409 11.4639 8.53020 11 1.38423 0.72242 12.8078 9.25262 12 1.42576 0.70138 14.1920 9.95400 13 1.46853 0.68095 15.6178 10.63496 14 1.51259 0.66112 17.0863 11.29607 15 1.55797 0.64186 18.5989 11.93794 16 1.60471 0.62317 20.1569 12.56110 PVAD $1 PVAD $1 1.0300 1.00000 2.0909 1.97087 3.1836 2.91347 4.3091 3.82861 5.4684 4.71710 6.6625 5.57971 7.8923 6.41719 9.1591 7.23028 10.4639 8.01969 11.8078 8.78611 13.1920 9.53020 14.6178 10.25262 16.0863 10.95400 17.5989 11.63496 19.1569 12.29607 20.7616 112.93794 HISODE Bill wants to give Maria a $650,000 gift in 3 years. If money is worth 6% compounded semiannually, what is Maria's gift worth today? $545,887. $647,250. $542,967. $544,362. O