30. A formula used to compute the current value of a savings account is A = P(1 + r)n, where A is the current value; P is the amount deposited; r is the rate of interest for 1 compounding period, expressed as a decimal; and n is the number of compounding periods. Which of the following is closest to the value of a savings account after 5 years if $10,000 is deposited at 4% annual interest compounded yearly?