4. find the present value of the annuity. amount per payment: $4,725 payment at end of each: 6 months number of years: 15 interest rate: 10% compounded: semiannually $72,634.83 $35,938.73 $32,242.03 $68,951.03

To solve this we are going to use the present value of annuity formula: 
where
is the present value 
is the periodic payment 
is the interest rate in decimal form 
is the number of times the interest is compounded per year 
is the number of payments per year 
is the number of years 

We know from our problem that  and . To convert the interest rate to decimal form, we are going to divide it by 100%:


Since the interest is compounded semiannually, it is compounded 2 times per year; therefore, . Similarly, since the payment is made at the end of each 6 months, it is made 2 times per year; therefore, .
Lest replace the values in our formula:





We can conclude that the correct answer is $72,634.83

What class is this? i have no idea and i'm not going to give you the wrong answer. do you have a graph that goes with all the questions