16515 is incorrect

Julia Baker died, leaving to her husband John an insurance policy contract that provides that the beneficiary (John) can choose any one of the following four options, Money is worth 2.50% per quarter, compounded quarterly, Compute Present value if Click here to view factor tables * Your answer is incorrect. (d) $4,180 every 3 months for 3 years and $1,610 each quarter for the following 25 quarters, all payments payable at the end of each quarter. (Round factor values to 5 decimal places, eg. 1.25124 and final answer to O decimal places, eg. 458,581.) Present value $ 16515