$450 is deposited monthly for 11 years at 5% per year fv=

1) montly rate, r = 5% / 12 = 0.416% = 0.00416

2) capital, C = $ 450 = present value

3) time = 11 years => number of periods = 11 * 12 = 132

4) Formula: FV = C * (1 + r) ^ (number of periods)

5) Calculation: FV = $450 * ( 1 + 0.00416)^(132) = $ 779.07

$ 779.07

Coral reefs,temperate grasslands, and kelp forests are all in danger.