today you won a small sweepstakes prize. your winnings will be split into 12 monthly payments of $2,000 starting from today. if the annual rate of return you can get at your bank is 3% (i. e. monthly return is 3%/12). what is the present value of your winnings?

Afish fossil is found in a rock. a foot bone and tooth are found in an older layer of the same rock. what can scientists learn from the rock? a) the area changed from land to water. b) the area changed from water to land. c) the area has always been land. d) the area was once an ocean.