Reword the following answer: To solve this problem, we need to use the formula for the future value of an ordinary annuity. An ordinary annuity is a sequence of equal payments made at the end of each period over a certain amount of time. The formula is: FV = P * [(1 + r/n)^(nt) - 1] / (r/n) where: FV = future value of the annuity P = amount deposited each period (in this case, each month) r = annual interest rate (in decimal form) n = number of times interest is compounded per year t = number of years In this case, Lucy is depositing $109 each month (P = 109), the annual interest rate is 7% or 0.07 (r = 0.07), interest is compounded monthly so n = 12, and the time period is 25 years (t = 25). Substituting these values into the formula, we get: FV = 109 * [(1 + 0.07/12)^(12*25) - 1] / (0.07/12) Now, we just need to do the calculations. First, calculate the value inside the brackets: (1 + 0.07/12)^(12*25) - 1 = (1 + 0.00583333)^(300) - 1 = 10.66596 - 1 = 9.66596 Then, divide the annual interest rate by the number of compounding periods: 0.07/12 = 0.00583333 Finally, multiply the monthly deposit by the value inside the brackets and divide by the result from the previous step: FV = 109 * 9.66596 / 0.00583333 = $180,663.97 So, the total value of the annuity in 25 years will be approximately $180,663.97