Find the present value of the follwing sum of money:
a) $76.96 to be recieved at the end of 15 years at 12% per annum with annual compounding
b) $76.96 to be recieved at the end of 15 years at 12% per annum with semi-annual compounding
c) $76.96 to be recieved at the end of 15 years at 0% per annum.
d) $76.96 to be recieved at the end of 5 years at a discount rate of 24% per annum compounded quarterly