part 1. Brenda plans to reduce her spending by $80 a month. Calculate the future value of this increase in savings over the next 10 years. (Assume an annual deposit to her savings account, and an annual interest rate of 4 percent.)    Note: Use appropriate factor(s) from the tables provided. Round time value factor to 3 decimal places and final answer to 2 decimal places.   part 2. Kara Delaney received a $3,000 gift for graduation from a relative. If she deposits the entire amount in an account paying 3 percent, what will be the value of this gift in 15 years?.

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