Which personal or social condition for an individual makes it harder to resist peer pressure? having many friends
using drugs or alcohol
having high self-esteem
being an aggressive person

$22,515.58

Explanation:

Based on the information given, the amount that'll be in the account at the end of the 10 years will be:

Present Value, PV = $20,000

Interest rate = 5% = 0.05

PMT = 800

nper = 10 years

Therefore, the future value will be solved in Excel by using the formula:

= FV(rate,nper,pmt,pv,type)

= FV(0.05,10,800,20000,0)

= $22,515.58

Therefore, the value in the account at the end of 10 years is $22,515.58