You expect to receive $10,000 at graduation in two years. You plan on investing it at 11 percent until you have $60,000. How long will you wait from now? Input area: Present value Years until cash flow received Interest rate Future value $10,000 2 11% $60,000 (Use cells A6 to B9 from the given information to complete this question.) Output area: Number of years to reach value Total years to wait from today One of your customers is delinquent on his accounts payable balance. You've mutually agreed to a repayment schedule of $500 per month. You will charge 1.8 percent per month interest on the overdue balance. If the current balance is $18,000, how long will it take for the account to be paid off? Input area: Monthly payment Rate per month Current balance $500 1.80% $18,000 (Use cells A6 to B8 from the given information to complete this question.) Output area: Months until paid off