Using the following table, what is the present value of $40,000 to be received in 5 years, if the market rate is 7% compounded annually? 
Definitions:
Phylogeny
The evolutionary history and lineage of species or a group of species.
Genetic Variation
The diversity in gene frequencies within a population, which contributes to the population's ability to adapt and evolve.
Adaptive Radiation
The rapid evolution of diversely adapted species from a common ancestor when introduced into new environmental circumstances.
Balanced Polymorphism
A situation in genetics where two or more alleles of a gene persist in a population because they each offer a survival advantage.
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