Elena surveyed her school mates about whether they have an unlimited data phone plan and whether they believe they spend a lot of time on their phones. Complete the missing entries in this two-way table.

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?