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A 15-year annuity pays $1,850 per month at the end of each month. If the discount rate is 9 percent compounded monthly for the first

A 15-year annuity pays $1,850 per month at the end of each month. If the discount rate is 9 percent compounded monthly for the first ten years and 10 percent compounded monthly thereafter, what is the present value of the annuity?

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