from now it you degide to make the initial deposit today rather than 5 yeas foom todyey? The tuyie value at the and of 40 yeans if you desoed $11,000 at 12% today is 510239607 . (Round to the nearest doliac) The fidre vinue at the and of 40 years if you depost 511,000 at 12%5 yeas trom today is 5 (Round to the neseset delise.) If you invest the $11,000 now inssad of waiting for 5 years to make the ifveritnent, you would be botter of ty 1 (Round to the nearest dollar)