Suppose your uncle sends you a $$10,000$ certificate of deposit in your name which will earn $4\%$ interest for the investment period. Under the th his gift, you can withdraw the funds after $4$ years on the day of your graduation. Use Excel functions to calculate the value of the amount your deposited today to have $$10,000$ after you graduate. $($Note: The certificate of deposit calculates and pays any earned interest at the beginning year.$)$

Note: You must enter the future value as a negative number in order for the PV function to return a positive number.

Hint: The last two arguments to the PV function are optional, as denoted by the square brackets in the function definition. You do not need to these brackets into excel when plugging in values or cell references into the function.