You need to buy insurance for your car. The insurance company is offering you one year's worth of insurance for $75 per month for one year (so there are a total of 12 payments, each at the start of each month). What is the present value of these payments? (Assume (12) = 9.6%) = You deposit $810 each month into an account earning i(12) 8.2%. Suppose you make the first deposit today, and you make a total of 48 deposits. How much money is in the account 3 years after the last deposit?