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An annuity immediate pays 20 per year for 10 years, then decreases by 2 per year for 9 years. At an annual effective interest rate

An annuity immediate pays 20 per year for 10 years, then decreases by 2 per year for 9 years. At an annual effective interest rate of 6%, the present value is equal to X. Calculate X.

The multiple choice gives me the options of 148, 158, 168, 178, 188. When I tired 158 it was incorrect.

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