14. In 20 years, Barnavous will purchase a perpetuity immediate with the payment pattern 100, 100 (1.04), 100 (1.04)2. 100 (1.04)3 The price of the perpetuity is calculated based on an annual effective interest rate of 5%. To save up the money to buy the perpetuity, Barnavous makes 20 end of year deposits into a savings account which go as follows. (i.) X, 2X,3X, ...., 9X, 10X for years 1-10. (ii.) 10X, 9X, 8X,..., 2X, X for years 11-20. The savings account credits interest at an annual effective interest rate of 10%. What is the average of the 20 deposits? 14. In 20 years, Barnavous will purchase a perpetuity immediate with the payment pattern 100, 100 (1.04), 100 (1.04)2. 100 (1.04)3 The price of the perpetuity is calculated based on an annual effective interest rate of 5%. To save up the money to buy the perpetuity, Barnavous makes 20 end of year deposits into a savings account which go as follows. (i.) X, 2X,3X, ...., 9X, 10X for years 1-10. (ii.) 10X, 9X, 8X,..., 2X, X for years 11-20. The savings account credits interest at an annual effective interest rate of 10%. What is the average of the 20 deposits