Your car dealer is willing to lease you a new car for $$199$ a month for $72$ months. Payments are due on the first day of each month starting with the day you sign the lease contract. If your cost of money is $5\mathrm{.}45\%,$ what is the current value of the lease? $$12,253\mathrm{.}14$

A deposit of $$10,000$ earning annually compounded interest increased to $$12,500$ in $5$ years. What was the balance at the end of year four? $($Clue: You will need to determine the annual rate of interest$)$ $$11,954$

Please explain answers and show how to solve using calculator BA II PLUS. Thanks