Present Value of 1 
Future Value of 1 
Present Value of an Annuity of 1 
Future Value of an Annuity of 1 
What amount can you borrow if you make six quarterly payments of $4,000 at a 12% annual rate of interest?
Definitions:
Natural Selection
The process through which organisms better adapted to their environment tend to survive and reproduce more than those less well adapted.
Hybridization
The process of crossing two genetically different individuals to produce offspring that may possess traits from both parents.
Goldenrod Gall Size
Refers to the size variation of plant outgrowths, caused typically by insect larvae on goldenrod plants, which serves as a protective and nourishing habitat for the larvae.
Heritable
Traits or characteristics that can be passed from parents to offspring through genes.
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