You have just received a windfall from an investment you made in a friend's business. She will be paying you $22,012 at the end of this year, $44,024 at the end of next year, and $66,036 at the end of the year after that (three years from today). The interest rate is 3.9% per year. a. What is the present value of your windfall? b. What is the future value of your windfall in three years (on the date of the last payment)?