A father opened a savings account for his daughter on the day she was born, depositing $1000. Each year on her birthday he deposits another $1000, making the last deposit on her twenty-first birthday. If the account pays 9.5% interest compounded annually, how much is in the account at the end of the day on the daughter's twenty first birthday? For this question, which formula do i use? ordinary annuity: where payments are made at end of time period or annuities due: where payments are made at beginning of time period ???