Consider the formula we used to determine the future value of our deposit. Is this formula a realistic approximation of what we could expect from an investment or are there other issues or factors that must be considered? Besides savings accounts, what other kinds of investment accounts or programs are typically offered at your bank? Do these accounts use compound interest? What are the typical interest rates for these accounts? Use your textbook or another reference to research how to calculate simple interest. Given what you know about compound and simple interest, which would you prefer that your investment programs were based upon? Why?