You want to open a craft shop in 10 years, and you determine to deposit __ dollars per month (input ANY reasonable amount) in a saving account with an annual interest rate of 4%. The present value would be __ if you deposit at the end of each month; the equation with numbers plugged in is __, The present value would be __ if you deposit at the beginning of each month; the equation with numbers plugged in is __.

Plug any amount you'd prefer.