rami. 1 Puture Value of 1 \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|} \hline \multicolumn{11}{|l|}{ (n) } \\ \hline Peciods & 46 & 54 & 6% & 7% & 8% & 9k & 10% & & 125 & 15% \\ \hline o. & 100000 & 1.00000 & 1.00000 & 1,00000 & 1.00000 & 1,00000 & 100000 & 1.00000 & 1,00000 & 1.00000 \\ \hline 1 & 1.04000 & 1,05000 & 1,06000 & 1.07000 & 1.08000 & 1.00000 & 1.10000 & 1.11000 & 1.12000 & 1.15000 \\ \hline 2 & 1.08160 & 1.10250 & 1.12360 & 1.14490 & 1.16640 & 1.18810 & 121000 & 122210 & 125440 & 132250 \\ \hline 3 & 1.12486 & 1.15763 & 1.19102 & 1.22504 & 125971 & 1.29503 & 133100 & 1.56763 & 1.40493 & 1,52058 \\ \hline 4 & 1,16986 & 1.21551 & 126248 & 131080 & 1.36040 & 1,41158 & 1.46410 & 1.51807 & 157352 & 1.74901 \\ \hline 5 & 1.21005 & 1,27628 & 134k23 & 1,40255 & 1,46913 & 1.53862 & 1.61051 & 1.65806 & 1.70214 & 201136 \\ \hline 6 & 1,26532 & 134010 & 1.41852 & 1.50073 & 15sen87 & 1.67710 & 1.77156 & t.s704t & 1.97362 & 231306 \\ \hline 7 & 1,31593 & 1.40710 & 1.50363 & 1.60578 & 1,71382 & 1.52804 & 1.94872 & 201616 & 221064 & 200002 \\ \hline 8 & 1.36ks7 & 1.4746 & 1.59385 & 1.71819 & 185093 & 1.09256 & 2.14359 & 230454 & 247596 & 3.050nz \\ \hline 9 & 1.42331 & 1.55133 & 1.68948 & 1.83846 & 1,00900 & 217189 & 235795 & 255805 & 277306 & 3.51724 \\ \hline 10 & 1.48024 & 1.02859 & 1.79085 & 1.96715 & 215892 & 230736 & 259174 & 21942 & iuoss5 & 404556 \\ \hline II & 1.53945 & 1.71034 & 1.89330 & 2.10485 & 233164 & 258043 & 25312 & 3.15176 & 3.47455 & 4.65239 \\ \hline 12 & 1,60103 & 1.79580 & 201220 & 2.25219 & 251317 & 281267 & & 3.49045 & 3.9598 & 5.35025 \\ \hline 13 & 1.06507 & 1.84565 & 2.13293 & 2.40955 & 271962 & 300551 & 3.45227 & g,ssues & 4.36349 & 0.15270 \\ \hline 14 & 1.73105 & 1.97693 & 2.26000 & 2.57553 & 293719 & 334175 & 3>9750 & 4.31044 & 4.571 & 7.07571 \\ \hline is & 1.90094 & 2.0793 & 2.39656 & 275903 & 3.17217 & 3.64248 & 4.1772 & 4.78459 & 5.47357 & 8.13700 \\ \hline 16 & 1.87298 & 2.18287 & 254035 & 205216 & 3.42504 & 197031 & 4.wint & & 0.13039 & 19476? \\ \hline 17 & 1.94790 & 229202 & 2.09277 & 3.15882 & 3.70002 & 433763 & & 5.59500 & oxbeos & 1076126 \\ \hline 18 & 2.02542 & 240602 & 28543 & 337903 & 3 setaiz & 471712 & sisson & 6.54155 & 7.6s9m? & 1237545 \\ \hline 19. & 2,10085 & 2.52095 & 3,02560 & 3.61653 & 4.31570 & 5,14166 & nisisi & 726334 & 301276 & 1423177 \\ \hline 20 & 2.19112 & 2.65330 & 3.20714 & 3. 86963 & itboos & 500441 & k.72750 & 3,00231 & 964629 & 16.30654 \\ \hline \end{tabular} TABL. 2 Future Value of an Annuity of 1 \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|} \hline \begin{tabular}{c} (n) \\ Payment: \end{tabular} & 4% & 5% & 64 & 7% & 816 & 9% & 10% & 11% & 125 & 15% \\ \hline 1 & 1.00000 & 100000 & 1.00000 & 10000 & 1,00000 & 1.00000 & 1.00000 & 100000 & 100000 & 1,00000 \\ \hline 2 & 204000 & 2.05000 & 2.06000 & 20700 & 2.08000 & 200000 & 210000 & 211000 & 212000 & 2.15000 \\ \hline 3 & 3.12160 & 3,15250 & 3.18560 & 3.2149 & 3,24040 & 327910 & 3,31000 & 3.3210 & 337440 & 3.47250 \\ \hline 4 & 424646 & 431013 & 4,37462 & 4.4999 & 450611 & 457313 & 4.64t00 & 470973 & 47793 & 4.99338 \\ \hline 5 & 5,41632 & 5,52503 & 5,63209 & 5,7507 & Skoned & 5,96471 & 6ucsto: & 622769 & ouszas & 6.74235 \\ \hline 6 & 0.03298 & 6.80191 & 6.97532 & 7.1533 & 730592 & 7.52394 & 771561 & 791246 & ansig & 8.75374 \\ \hline 7 & 7.89529 & K. 14201 & B. 39384 & 56540 & 802250 & 92004 & & 9.78327 & 1006001 & 1106680 \\ \hline 8 & 9.21423 & 9.54911 & 99747 & 102ses & 10.6663 & 11.02847 & 11.43549 & 11.5943 & 1220969 & 1372647 \\ \hline 9 & 1058280 & 11.02656 & 1149132 & 11.9760 & 12.48756 & 13,02104 & 135048 & 14.16197 & 14.77566 & 167504 \\ \hline 10 & 12.00611 & 12.57789 & 13.18079 & 13.8164 & 14.48656 & 15.19291 & 15.9374 & 16.72201 & 1254574 & 2010372 \\ \hline 11 & 13.48635 & 14.20679 & 14.97164 & 15.736 & 16.64549 & 17,50029 & 1853117 & 1956143 & 206545 & 3434926 \\ \hline 12 & 15,02581 & 15,91713 & 16.86994 & 17.5855 & 18.47713 & 20,14072 & 21.35428 & 2271319 & 24.13313 & 29.00167 \\ \hline is & 16.62684 & 17.71298 & 18.58214 & 20.1406 & 21.49530 & 22.95339 & 240227 & 2621164 & 2602911 & 34.35192 \\ \hline 14 & 15.29191 & 1950363 & 21.01507 & 225505 & 24.21492 & 2601919 & 2197495 & 30.00492 & 3239200 & 4050471 \\ \hline is & 2002359 & 21.57356 & 23.27597 & 25.1290 & 27.15211 & 29.36092 & 31.77245 & 34.40516 & 3727972 & 4758041 \\ \hline 16 & 21.82453 & 23.05749 & 26.67253 & 27.5681 & 3032428 & 33,00340 & 35.94973 & 39.18vos: & 4275326 & 55,71747 \\ \hline 17 & 23.69751 & 2584037 & 2821285 & 30.8402 & 33.75023 & 36.97351 & 40,54470 & 44.5004 & 4585367 & 65.07509 \\ \hline 18 & 25.64541 & 28,13238 & 30.00565 & 33.9900 & 37,45024 & 4130134 & 45.54917 & 50.79593 & 55,74972 & 75.83636 \\ \hline 19 & 27.67123 & 30.59900 & 13,75900 & 373790 & 41.44626 & 46.01546 & si.1spep & 5693749 & to 43 os & 80.21181 \\ \hline 20 & 29.77808 & 33.06595 & 16.73559 & 40.9955 & 4576190 & 51.16012 & 57.27500 & 4.20583 & 7205244 & 1024145 \\ \hline \end{tabular} TABLE 3 Present Value of 1 \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|} \hline \begin{tabular}{c} (ni) \\ Periods \\ \end{tabular} & 4% & 5% & 6% & 7% & 8% & 9% & 10% & 11% & 12% & 15% \\ \hline 1 & 96154 & 95238 & 94340 & 0.93458 & 92593 & 91743 & 90909 & 90090 & 89286 & 86957 \\ \hline 2 & 92456 & 90703 & 89000 & 0.87344 & 85734 & 84168 & 82645 & 81162 & 79719 & .75614 \\ \hline 3 & 88900 & 86384 & 83962 & 0.81630 & .79383 & 77218 & .75132 & .73119 & .71178 & .65752 \\ \hline 4 & 85480 & 82270 & .79209 & 0.76290 & .73503 & .70643 & .68301 & 65573 & 63552 & 57175 \\ \hline 5 & 82193 & .78353 & 74726 & 0.71299 & 68058 & 64993 & 62092 & 59345 & 56743 & .49718 \\ \hline 6 & .79031 & .74622 & .70496 & 0.06634 & 63017 & 5%627 & 56447 & 53464 & 50663 & 43233 \\ \hline 7 & .75992 & .71068 & .66506 & 0.62275 & 58349 & 54703 & 51316 & 48166 & 45235 & 37594 \\ \hline 8 & .73069 & .67684 & .62741 & 0.58201 & 54027 & 50187 & 46651 & A3393 & 40388 & 32690 \\ \hline 9 & .70259 & .64461 & 59190 & 0.54393 & 50025 & 46043 & .42410 & 39092 & 36061 & 28426 \\ \hline 10 & .67556 & .61391 & 55839 & 050835 & .46319 & 42241 & 38554 & 35218 & 32197 & 24719 \\ \hline 11 & .04958 & 58468 & 52679 & 0.47509 & 42858 & 38753 & 35049 & 31728 & 28748 & 21494 \\ \hline 12 & 62460 & 55684 & 49697 & 0.44401 & 39711 & 35554 & 31863 & 28584 & 25668 & .18691 \\ \hline 13 & 60057 & 53032 & 46884 & 0.41496 & 36770 & 32618 & 28966 & 25751 & 22917 & .16253 \\ \hline 14 & .57748 & 50507 & .44230 & 0.38782 & 34046 & 29925 & 26333 & 23199 & 20462 & 14133 \\ \hline 15 & 55526 & 48102 & 41727 & 0.36245 & 31524 & 27454 & 23939 & 20000 & 18870 & .12289 \\ \hline 16 & 53391 & A5811 & 39365 & 0.33873 & 29189 & 25157 & 21763 & 18829 & 16312 & 10687 \\ \hline 17 & 51337 & 43630 & 37136 & 0.31657 & 27027 & 23107 & 19785 & 16963 & 14564 & .09293 \\ \hline 18 & 49363 & A1552 & 35034 & 0.29586 & 25025 & 21199 & 12986 & 15282 & 13004 & 05081 \\ \hline 19 & 47464 & 39573 & 33051 & 0.27615 & 23171 & 19449 & 16351 & 13768 & .11611 & .07027 \\ \hline 20 & 45639 & 37689 & 31180 & 0.25842 & 21455 & 17843 & 14864 & .12403 & .0367 & .06110 \\ \hline \end{tabular} TABLE 4 Present Value of an Annuity of 1 \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|} \hline \begin{tabular}{c} (n) \\ Payments \\ \end{tabular} & 4% & 5% & 6% & 746 & 8% & 9N & 105 & 11% & 12% & 15% \\ \hline 1 & 96154 & 95238 & 94340 & 0.93458 & .92593 & .91743 & 90909 & 90090 & 89286 & 86957 \\ \hline 2 & 1.88609 & 185941 & 1.83339 & 1.80802 & 1.78326 & 1.75911 & 1.73554 & 1.71252 & 1.69005 & 1.62571 \\ \hline 3 & 2.77509 & 2.72325 & 2.67301 & 2.62432 & 257710 & 253130 & 2.43685 & 2.4371 & 240183 & 228323 \\ \hline 4 & 3.62990 & 3.54595 & 3.46511 & 3,38721 & 331213 & 3.23972 & 3.16986 & 3.10245 & 3.03735 & 2.85498 \\ \hline 5 & 4.45182 & 4.32948 & 4.21236 & 4.10020 & 271 & 3.68965 & 3. 79079 & 3.69590 & 3.60478 & 335216 \\ \hline 6 & 524214 & 507569 & 4.91732 & 4.76654 & 4.62288 & 4.48592 & 435526 & 423054 & 4.11141 & 3.78448 \\ \hline 7 & 6.00205 & 5.78637 & 5.58238 & 538929 & 5.20637 & 5.03295 & 4.86842 & 4.71220 & 456376 & 4.16042 \\ \hline 8 & 6.73274 & 6.46321 & 6.20979 & 5.97130 & 574664 & 553452 & 533493 & 5.14612 & 4.86764 & 4.48732 \\ \hline 9 & 7.43533 & 7.10782 & 6.80169 & 6.51523 & 6.24689 & 5.99525 & 5,75900 & 553705 & 5.3225 & 4.77158 \\ \hline 10 & 8.11090 & 7.72173 & 7.36009 & 7.02358 & 6.71008 & 6.41766 & 6.14457 & 5.88923 & 5.65002 & 5.01877 \\ \hline 11 & 8.76048 & 8.3.30641 & 7.85687 & 7.49867 & 7.13896 & 6.80519 & 6.49506 & 6.20652 & 593770 & 5.23371 \\ \hline 12 & 938507 & 8.86325 & 8. 38384 & 7.94269 & 753605 & 7.16073 & 681369 & 6.49236 & 6.19437 & 5.42062 \\ \hline 13 & 9.98565 & 939357 & 8.85268 & 8.35765 & 7,90378 & 7.48090 & 7.10336 & 6.74967 & 6.42355 & 5.58315 \\ \hline 14 & 10.56312 & 9.89864 & 9.29498 & 8.74547 & 8.24424 & 7.78615 & 736669 & 6.98187 & 6.62817 & 5.72448 \\ \hline is & 11.11839 & 10.37966 & 9.71225 & 9.10791 & 8.55948 & 8.06069 & 7.60608 & 7.19067 & 6.81086 & 584737 \\ \hline 16 & 11.65230 & 10.83777 & 10.10590 & 9.44665 & 885137 & 8.31256 & 7.82371 & 737916 & 6.97399 & 5,95424 \\ \hline 17 & 12.16567 & 11.27407 & 10.47726 & 9.76322 & 9.12164 & 8.54363 & 8.02155 & 754579 & 7.11963 & 604716 \\ \hline is & 12.65930 & 11.68959 & 10.82760 & 1005909 & 9.37189 & 8. 75863 & 820141 & 7.70162 & 724967 & 6.12797 \\ \hline 19 & 13.13394 & 12,08532 & 11.15812 & 1033560 & 9.60360 & & & & & 6.19823 \\ \hline 20 & 1359033 & 12.46221 & 11.46992 & 10.59401 & 981815 & 9.12855 & 8.51356 & 7,90333 & 7,46944 & 6.25933 \\ \hline \end{tabular} rami. 1 Puture Value of 1 \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|} \hline \multicolumn{11}{|l|}{ (n) } \\ \hline Peciods & 46 & 54 & 6% & 7% & 8% & 9k & 10% & & 125 & 15% \\ \hline o. & 100000 & 1.00000 & 1.00000 & 1,00000 & 1.00000 & 1,00000 & 100000 & 1.00000 & 1,00000 & 1.00000 \\ \hline 1 & 1.04000 & 1,05000 & 1,06000 & 1.07000 & 1.08000 & 1.00000 & 1.10000 & 1.11000 & 1.12000 & 1.15000 \\ \hline 2 & 1.08160 & 1.10250 & 1.12360 & 1.14490 & 1.16640 & 1.18810 & 121000 & 122210 & 125440 & 132250 \\ \hline 3 & 1.12486 & 1.15763 & 1.19102 & 1.22504 & 125971 & 1.29503 & 133100 & 1.56763 & 1.40493 & 1,52058 \\ \hline 4 & 1,16986 & 1.21551 & 126248 & 131080 & 1.36040 & 1,41158 & 1.46410 & 1.51807 & 157352 & 1.74901 \\ \hline 5 & 1.21005 & 1,27628 & 134k23 & 1,40255 & 1,46913 & 1.53862 & 1.61051 & 1.65806 & 1.70214 & 201136 \\ \hline 6 & 1,26532 & 134010 & 1.41852 & 1.50073 & 15sen87 & 1.67710 & 1.77156 & t.s704t & 1.97362 & 231306 \\ \hline 7 & 1,31593 & 1.40710 & 1.50363 & 1.60578 & 1,71382 & 1.52804 & 1.94872 & 201616 & 221064 & 200002 \\ \hline 8 & 1.36ks7 & 1.4746 & 1.59385 & 1.71819 & 185093 & 1.09256 & 2.14359 & 230454 & 247596 & 3.050nz \\ \hline 9 & 1.42331 & 1.55133 & 1.68948 & 1.83846 & 1,00900 & 217189 & 235795 & 255805 & 277306 & 3.51724 \\ \hline 10 & 1.48024 & 1.02859 & 1.79085 & 1.96715 & 215892 & 230736 & 259174 & 21942 & iuoss5 & 404556 \\ \hline II & 1.53945 & 1.71034 & 1.89330 & 2.10485 & 233164 & 258043 & 25312 & 3.15176 & 3.47455 & 4.65239 \\ \hline 12 & 1,60103 & 1.79580 & 201220 & 2.25219 & 251317 & 281267 & & 3.49045 & 3.9598 & 5.35025 \\ \hline 13 & 1.06507 & 1.84565 & 2.13293 & 2.40955 & 271962 & 300551 & 3.45227 & g,ssues & 4.36349 & 0.15270 \\ \hline 14 & 1.73105 & 1.97693 & 2.26000 & 2.57553 & 293719 & 334175 & 3>9750 & 4.31044 & 4.571 & 7.07571 \\ \hline is & 1.90094 & 2.0793 & 2.39656 & 275903 & 3.17217 & 3.64248 & 4.1772 & 4.78459 & 5.47357 & 8.13700 \\ \hline 16 & 1.87298 & 2.18287 & 254035 & 205216 & 3.42504 & 197031 & 4.wint & & 0.13039 & 19476? \\ \hline 17 & 1.94790 & 229202 & 2.09277 & 3.15882 & 3.70002 & 433763 & & 5.59500 & oxbeos & 1076126 \\ \hline 18 & 2.02542 & 240602 & 28543 & 337903 & 3 setaiz & 471712 & sisson & 6.54155 & 7.6s9m? & 1237545 \\ \hline 19. & 2,10085 & 2.52095 & 3,02560 & 3.61653 & 4.31570 & 5,14166 & nisisi & 726334 & 301276 & 1423177 \\ \hline 20 & 2.19112 & 2.65330 & 3.20714 & 3. 86963 & itboos & 500441 & k.72750 & 3,00231 & 964629 & 16.30654 \\ \hline \end{tabular} TABL. 2 Future Value of an Annuity of 1 \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|} \hline \begin{tabular}{c} (n) \\ Payment: \end{tabular} & 4% & 5% & 64 & 7% & 816 & 9% & 10% & 11% & 125 & 15% \\ \hline 1 & 1.00000 & 100000 & 1.00000 & 10000 & 1,00000 & 1.00000 & 1.00000 & 100000 & 100000 & 1,00000 \\ \hline 2 & 204000 & 2.05000 & 2.06000 & 20700 & 2.08000 & 200000 & 210000 & 211000 & 212000 & 2.15000 \\ \hline 3 & 3.12160 & 3,15250 & 3.18560 & 3.2149 & 3,24040 & 327910 & 3,31000 & 3.3210 & 337440 & 3.47250 \\ \hline 4 & 424646 & 431013 & 4,37462 & 4.4999 & 450611 & 457313 & 4.64t00 & 470973 & 47793 & 4.99338 \\ \hline 5 & 5,41632 & 5,52503 & 5,63209 & 5,7507 & Skoned & 5,96471 & 6ucsto: & 622769 & ouszas & 6.74235 \\ \hline 6 & 0.03298 & 6.80191 & 6.97532 & 7.1533 & 730592 & 7.52394 & 771561 & 791246 & ansig & 8.75374 \\ \hline 7 & 7.89529 & K. 14201 & B. 39384 & 56540 & 802250 & 92004 & & 9.78327 & 1006001 & 1106680 \\ \hline 8 & 9.21423 & 9.54911 & 99747 & 102ses & 10.6663 & 11.02847 & 11.43549 & 11.5943 & 1220969 & 1372647 \\ \hline 9 & 1058280 & 11.02656 & 1149132 & 11.9760 & 12.48756 & 13,02104 & 135048 & 14.16197 & 14.77566 & 167504 \\ \hline 10 & 12.00611 & 12.57789 & 13.18079 & 13.8164 & 14.48656 & 15.19291 & 15.9374 & 16.72201 & 1254574 & 2010372 \\ \hline 11 & 13.48635 & 14.20679 & 14.97164 & 15.736 & 16.64549 & 17,50029 & 1853117 & 1956143 & 206545 & 3434926 \\ \hline 12 & 15,02581 & 15,91713 & 16.86994 & 17.5855 & 18.47713 & 20,14072 & 21.35428 & 2271319 & 24.13313 & 29.00167 \\ \hline is & 16.62684 & 17.71298 & 18.58214 & 20.1406 & 21.49530 & 22.95339 & 240227 & 2621164 & 2602911 & 34.35192 \\ \hline 14 & 15.29191 & 1950363 & 21.01507 & 225505 & 24.21492 & 2601919 & 2197495 & 30.00492 & 3239200 & 4050471 \\ \hline is & 2002359 & 21.57356 & 23.27597 & 25.1290 & 27.15211 & 29.36092 & 31.77245 & 34.40516 & 3727972 & 4758041 \\ \hline 16 & 21.82453 & 23.05749 & 26.67253 & 27.5681 & 3032428 & 33,00340 & 35.94973 & 39.18vos: & 4275326 & 55,71747 \\ \hline 17 & 23.69751 & 2584037 & 2821285 & 30.8402 & 33.75023 & 36.97351 & 40,54470 & 44.5004 & 4585367 & 65.07509 \\ \hline 18 & 25.64541 & 28,13238 & 30.00565 & 33.9900 & 37,45024 & 4130134 & 45.54917 & 50.79593 & 55,74972 & 75.83636 \\ \hline 19 & 27.67123 & 30.59900 & 13,75900 & 373790 & 41.44626 & 46.01546 & si.1spep & 5693749 & to 43 os & 80.21181 \\ \hline 20 & 29.77808 & 33.06595 & 16.73559 & 40.9955 & 4576190 & 51.16012 & 57.27500 & 4.20583 & 7205244 & 1024145 \\ \hline \end{tabular} TABLE 3 Present Value of 1 \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|} \hline \begin{tabular}{c} (ni) \\ Periods \\ \end{tabular} & 4% & 5% & 6% & 7% & 8% & 9% & 10% & 11% & 12% & 15% \\ \hline 1 & 96154 & 95238 & 94340 & 0.93458 & 92593 & 91743 & 90909 & 90090 & 89286 & 86957 \\ \hline 2 & 92456 & 90703 & 89000 & 0.87344 & 85734 & 84168 & 82645 & 81162 & 79719 & .75614 \\ \hline 3 & 88900 & 86384 & 83962 & 0.81630 & .79383 & 77218 & .75132 & .73119 & .71178 & .65752 \\ \hline 4 & 85480 & 82270 & .79209 & 0.76290 & .73503 & .70643 & .68301 & 65573 & 63552 & 57175 \\ \hline 5 & 82193 & .78353 & 74726 & 0.71299 & 68058 & 64993 & 62092 & 59345 & 56743 & .49718 \\ \hline 6 & .79031 & .74622 & .70496 & 0.06634 & 63017 & 5%627 & 56447 & 53464 & 50663 & 43233 \\ \hline 7 & .75992 & .71068 & .66506 & 0.62275 & 58349 & 54703 & 51316 & 48166 & 45235 & 37594 \\ \hline 8 & .73069 & .67684 & .62741 & 0.58201 & 54027 & 50187 & 46651 & A3393 & 40388 & 32690 \\ \hline 9 & .70259 & .64461 & 59190 & 0.54393 & 50025 & 46043 & .42410 & 39092 & 36061 & 28426 \\ \hline 10 & .67556 & .61391 & 55839 & 050835 & .46319 & 42241 & 38554 & 35218 & 32197 & 24719 \\ \hline 11 & .04958 & 58468 & 52679 & 0.47509 & 42858 & 38753 & 35049 & 31728 & 28748 & 21494 \\ \hline 12 & 62460 & 55684 & 49697 & 0.44401 & 39711 & 35554 & 31863 & 28584 & 25668 & .18691 \\ \hline 13 & 60057 & 53032 & 46884 & 0.41496 & 36770 & 32618 & 28966 & 25751 & 22917 & .16253 \\ \hline 14 & .57748 & 50507 & .44230 & 0.38782 & 34046 & 29925 & 26333 & 23199 & 20462 & 14133 \\ \hline 15 & 55526 & 48102 & 41727 & 0.36245 & 31524 & 27454 & 23939 & 20000 & 18870 & .12289 \\ \hline 16 & 53391 & A5811 & 39365 & 0.33873 & 29189 & 25157 & 21763 & 18829 & 16312 & 10687 \\ \hline 17 & 51337 & 43630 & 37136 & 0.31657 & 27027 & 23107 & 19785 & 16963 & 14564 & .09293 \\ \hline 18 & 49363 & A1552 & 35034 & 0.29586 & 25025 & 21199 & 12986 & 15282 & 13004 & 05081 \\ \hline 19 & 47464 & 39573 & 33051 & 0.27615 & 23171 & 19449 & 16351 & 13768 & .11611 & .07027 \\ \hline 20 & 45639 & 37689 & 31180 & 0.25842 & 21455 & 17843 & 14864 & .12403 & .0367 & .06110 \\ \hline \end{tabular} TABLE 4 Present Value of an Annuity of 1 \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|} \hline \begin{tabular}{c} (n) \\ Payments \\ \end{tabular} & 4% & 5% & 6% & 746 & 8% & 9N & 105 & 11% & 12% & 15% \\ \hline 1 & 96154 & 95238 & 94340 & 0.93458 & .92593 & .91743 & 90909 & 90090 & 89286 & 86957 \\ \hline 2 & 1.88609 & 185941 & 1.83339 & 1.80802 & 1.78326 & 1.75911 & 1.73554 & 1.71252 & 1.69005 & 1.62571 \\ \hline 3 & 2.77509 & 2.72325 & 2.67301 & 2.62432 & 257710 & 253130 & 2.43685 & 2.4371 & 240183 & 228323 \\ \hline 4 & 3.62990 & 3.54595 & 3.46511 & 3,38721 & 331213 & 3.23972 & 3.16986 & 3.10245 & 3.03735 & 2.85498 \\ \hline 5 & 4.45182 & 4.32948 & 4.21236 & 4.10020 & 271 & 3.68965 & 3. 79079 & 3.69590 & 3.60478 & 335216 \\ \hline 6 & 524214 & 507569 & 4.91732 & 4.76654 & 4.62288 & 4.48592 & 435526 & 423054 & 4.11141 & 3.78448 \\ \hline 7 & 6.00205 & 5.78637 & 5.58238 & 538929 & 5.20637 & 5.03295 & 4.86842 & 4.71220 & 456376 & 4.16042 \\ \hline 8 & 6.73274 & 6.46321 & 6.20979 & 5.97130 & 574664 & 553452 & 533493 & 5.14612 & 4.86764 & 4.48732 \\ \hline 9 & 7.43533 & 7.10782 & 6.80169 & 6.51523 & 6.24689 & 5.99525 & 5,75900 & 553705 & 5.3225 & 4.77158 \\ \hline 10 & 8.11090 & 7.72173 & 7.36009 & 7.02358 & 6.71008 & 6.41766 & 6.14457 & 5.88923 & 5.65002 & 5.01877 \\ \hline 11 & 8.76048 & 8.3.30641 & 7.85687 & 7.49867 & 7.13896 & 6.80519 & 6.49506 & 6.20652 & 593770 & 5.23371 \\ \hline 12 & 938507 & 8.86325 & 8. 38384 & 7.94269 & 753605 & 7.16073 & 681369 & 6.49236 & 6.19437 & 5.42062 \\ \hline 13 & 9.98565 & 939357 & 8.85268 & 8.35765 & 7,90378 & 7.48090 & 7.10336 & 6.74967 & 6.42355 & 5.58315 \\ \hline 14 & 10.56312 & 9.89864 & 9.29498 & 8.74547 & 8.24424 & 7.78615 & 736669 & 6.98187 & 6.62817 & 5.72448 \\ \hline is & 11.11839 & 10.37966 & 9.71225 & 9.10791 & 8.55948 & 8.06069 & 7.60608 & 7.19067 & 6.81086 & 584737 \\ \hline 16 & 11.65230 & 10.83777 & 10.10590 & 9.44665 & 885137 & 8.31256 & 7.82371 & 737916 & 6.97399 & 5,95424 \\ \hline 17 & 12.16567 & 11.27407 & 10.47726 & 9.76322 & 9.12164 & 8.54363 & 8.02155 & 754579 & 7.11963 & 604716 \\ \hline is & 12.65930 & 11.68959 & 10.82760 & 1005909 & 9.37189 & 8. 75863 & 820141 & 7.70162 & 724967 & 6.12797 \\ \hline 19 & 13.13394 & 12,08532 & 11.15812 & 1033560 & 9.60360 & & & & & 6.19823 \\ \hline 20 & 1359033 & 12.46221 & 11.46992 & 10.59401 & 981815 & 9.12855 & 8.51356 & 7,90333 & 7,46944 & 6.25933 \\ \hline \end{tabular}
