The variables in a future value of a lump sum problem include all of the following, except: Multiple Choice Time period Interest rate Payments Multiple Choice Time period Interest rate Payments Future Value For each of the following, compute the future value: (Do not round intermediate calculations and round your answers to 2 decimal places, e.g., 32.16.) | Future Value Years 12 Present Value 1,900 8,052 69,355 176,796 Interest Rate 12 % 10 13 7 7 D You have just made your first $4,400 contribution to your retirement account. Assume you earn a return of 13 percent per year and make no additional contributions. a. What will your account be worth when you retire in 29 years? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.) What if you wait 10 years before contributing? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.) a. Future value for starting now b. Future value if waiting 10 years