The average rate of inflation in the United States in the last 100 years is approximately 3.26%. In the last year the rate has jumped to 8.5%. Determine the present worth of a future sum of $10,000 in 10 years. Also, determine the present worth of $10,000 10 years ago. Assume time starts when inflation changes from 3.26% to 8.5%. Also assume the 8.5% rate of inflation continues infinitely.