Hello. I'm having some difficulties with these questions and I'd like to know what I'm doing wrong:

1. $4300 is deposited at the end of every 6 months for 7 years at 9.5%/a, compounded semiannually. Find the amount of this annuity on the date of the last payment.

What I'm doing:

FV = 4300((1.0475)^14) - 1) / .0475

FV = 4300(0.91494) / .0475

FV = 3934.266/.0475

FV = 82,826.66

But the answer in the back of the book is 81,408.07.

Also having problems with this question:

2. At the end of each month, $50 is deposited in an account for 25 years. Then the accumulated money remains in the account for an additional 5 years. Find the amount in the account at the end of this time. The interest rate is 4.8%/a, compounded monthly.

FV = 50((1.0033^300) - 1)/0.0033

FV = 50(1.68652)/0.0033

FV = 84.34258/0.0033

FV = 25,558.36

A = 25558.36(1.0033^60)

A = 25558.36(1.2186)

A = 31,144.53

but the answer is $36,724.36. I would really appreciate some help with these questions.