Present value with periodic rates. Cooley Landscaping needs to borrow $30,000 for a new front-end dirt loader. The bank is willing to loan the money at 8.5% interest for the next 10 years with annual, semiannual, quarterly, or monthly payments. What are the different payments that Cooley Landscaping could choose for these different payment plans? What is Cooley's payment for the loan at 8.5% interest for the next 10 years with quarterly payments? $ (Round to the nearest cent.) Payments with periodic rates. Denise has her heart set on being a millionaire. What payment does Denise need to make at the end of each month over the coming 44 years at 6% APR to reach her retirement goal of $1 million? What monthly payment does Denise need to make to reach her retirement goal? $ (Round to the nearest cent.)