Answer:
soooooooooooooooory ur like this u remind me of a guy in my 4grade
A quotient means division, so you can get rid of the third and fourth choices. It says "opposite" so that means negative.
The answer is the second choice: 
The future value annuity is given by:
FV=(1+r)*p{[(1+r)^n-1]/r}
our value will be:
FV=(1+0.071/2)*450{[(1+0.071/2)^(9*2)-1]/0.071/2}
FV=11,468.337
The present value of the annuity will be:
FV=PV(1+r)^n
11,468.337=PV(1+0.071)^9
solving for PV we get
PV=6185.791
Answer: PV=$6185.791
Answer is D]
