A recent college graduate decides they would like to have $20, 000 in five years to make a down payment on a home. (a) How much money will they need to invest today in order to have $20, 000 in five years, given that they can invest at an annual interest rate of 4%?

(b) What interest rate would the investment need to have if they invest $5000 and would like to have $20,000 in 5 years? (Round your answer to the nearest hundredth)

Suppose you want to transform the graph of the function y=tan(x+pi/4)-1 into the graph of the function y=-tan(x+pi/2)+1 which transformations should you perform. a) reflect the graph of the first function across the x-axis, translate it pi/4 units to the left, and translate it 2 units up. b) reflect the graph of the first function across the x-axis, translate it pi/4 units to the right, and translate it 2 units up. c) reflect the graph of the first function across the line y = -1, translate it pi/4 units to the left, and translate it 2 units up. d) reflect the graph of the first function across the line y = -1, translate it pi/4 units to the right, and translate it 2 units up.