Using the following partial table of present value of $1 at compound interest, determine the present value of $30,000 to be received three years hence, with earnings at the rate of 12% a year: 
Definitions:
Interest Rates
The expense incurred by a borrower, quantified as a percentage of the principal, for accessing a lender's assets.
Yield
The income return on an investment, such as the interest or dividends received, expressed as a percentage of the investment's cost.
Coupon Rate
An annual interest percentage a bond generates, reflected against its original price.
Monetary Policy
Economic strategy chosen by a government or central bank to control the supply of money, influencing interest rates and overall economic activity.
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