We are asked to determine the present value of an annuity that is paid at the end of each period. Therefore, we need to use the formula for present value ordinary, which is:

Where:

Since the interest is compounded semi-annually this means that it is compounded 2 times a year, therefore, k = 2. Now we need to convert the interest rate into decimal form. To do that we will divide the interest rate by 100:

Now we substitute the values:

Now we solve the operations, we get:

Therefore, the present value must be $39462.50
I believe the answer is A
Using proportions, it is found that the scale factor of the transformation is of 1/3.
<h3>What is a proportion?</h3>
A proportion is a fraction of a total amount, and the measures are related using a rule of three.
In this problem, during the transformation, each coordinate was divided by 3, hence, applying the proportion, the scale factor of the transformation is of 1/3.
More can be learned about proportions at brainly.com/question/24372153
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Answer:
See below.
Step-by-step explanation:
You haven't supplied a list but one option could be f(x) - l or x^2 - l.
This represents a vertical shift of 3 units downwards.