AaBbCcDdE Emphasis An annuity has payments at the beginning of every three months starting today. The first payment is $100 and payments increase by 1% every three months for the first four years, making the 16h payment $116.10 to the nearest cent. After this, payments increase by $1 every three months for 32 additional payments making 48 payments in total. If do-45%, find the present value of this annuity