Anya finally decides that she will give her cousin, Zen, the loan he requested. He is expected to pay Anya $12,500 each year for the next 5 years, starting at the end of this year. The loan interest rate at the bank is 5% but because he is family, she will only charge him half of this interest rate. What is the current value of this loan, today? (Make time line, write the formula that you are going to use, and if you use calculator to get final answer then show the sequence key entries)