An insurance company is offering a new policy to its customers. Typically the policy would be purchased by a parent or grandparent for a newborn child. The purchaser, say a parent, would make six payments, as follows, to the insurance company: After the child's sixth birthday, the purchaser would make no more payments. How much would the child have to receive on his/her 21st birthday in order to make this policy worth purchasing? The annual interest rates are four percent for years one to three, six percent for years four and five, eight percent for year six, and ten percent thereafter. Show your work