Your goal is to have $100,000 five years from now, for a down payment on your future house. The annual return on investment is expected to be 10% and will be compounded annually. The single lump sum that needs to be invested today is $_______, in order to have $100,000 five years from now. Alternatively, you can invest $_______ for each of the next five years, and have $100,000 at the end of the fifth year. Refer to the PV and FV tables and show your work and calculations for full credit.