4,) You are given the opportunity to make an investment in a unique financial instrument. If you invest, you would receive cash flows over the next six years in the following manner (assume that the end of "Year 1" is one full year from today): Year 1: $13,000 Year 4: $11,000 Year 6: $10,000 > n You could personally invest this cash and receive a 6% annual return, r Write out the formula you would you use to calculate the total value of these cash flows as of today. (2 points)