Find the future value at the end of year 3 of the following stream of cash flows received at the end of each year, assuming the firm can earn 8 percent on its investments. 
Definitions:
New Member
An individual who has recently joined a group, organization, or community.
Empathy
The ability to understand and share the feelings of another person, putting oneself in their shoes in a way that can foster deeper connections and understanding.
Therapeutic Factor
An element or aspect of the therapeutic process that contributes to the healing or positive outcomes for the patient.
Universality
A principle that a certain idea, condition, or concept applies to everything in a particular category without exception.
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