Accusoft Systems is offering small business owners a software package that keeps track of many accounting functions from bank transactions to sales invoices. The site license will cost $55,000 to install and will require a fee of $3000 every 3 months. If your company can save $13,500 every quarter and have the security of managing its books in-house, how long will it take for you to recover the investment at an interest rate of 11% per quarter? The time taken to recover the investment is determined to be quarters. For a present sum of $660,000, determine the annual worth (in then-current dollars) in years 1 through 10 if the market interest rate is 13% per year and the inflation rate is 3% per year. The annual worth is $