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An amount of X dollars is placed in an account which caries an annual interest rate of 4.8% compounded quarterly for the first 10 years

An amount of X dollars is placed in an account which caries an annual interest rate of 4.8% compounded quarterly for the first 10 years and an annual discount rate of 4.8% convertible monthly for the next 10 years. The value of this account 20 years after inception is $20000. Find X.

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