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begin{tabular}{crcc} Year & 6% & 10% & 12% hline 1 & 0.943 & 0.909 & 0.893 2 & 0.890 & 0.826 & 0.797
\begin{tabular}{crcc} Year & 6% & 10% & 12% \\ \hline 1 & 0.943 & 0.909 & 0.893 \\ 2 & 0.890 & 0.826 & 0.797 \\ 3 & 0.840 & 0.751 & 0.712 \\ 4 & 0.792 & 0.683 & 0.636 \end{tabular}
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