The table factor for the future value of an annuity for 4 annual deposits at 8% is: a. the reciprocal of the future value of $1 factor for n = 4 and 8%. b. the cumulative total of the future value of $1 factors for 4 deposits at 8%. c. the same as using the future value of $1 factors at 8% for 3, 2, 1 and 0 periods. d. the same as for the future value of $1 multiplied by 4.