Alberto has an investment portfolio that contains an annuity and a perpetuity\ immediate. His annuity pays $400 at the end of each quarter for 10 years and his perpetuity pays \ $200 at the end of each month forever. Assume the annual interest rate is i for the first ten years \ and j thereafter. Using Chapter 4 symbols, find an expression for the present value of his \ portfolio in terms of the rates i and j.