Indicate by writing either "future" or "present" in the blanks below whether each situation involves the future or present value of the annuity.

a) Jesse plans to repay his student loan of $15,000 by making equal annual payments. (Blank 1)

b) Joey wants to save $5000 by making equal weekly payments at a bank for 4 years. (Blank 2)

c) Steve plans to retire a millionaire by making equal monthly payments into his retirement savings plan. (Blank 3)

d) Kimmy plans to make equal quarterly withdrawals from her $300,000 retirement income fund. (Blank 4)