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Billy plans to withdraw $200 at the end of every 3-months for 16-years from a fund. He wants to make his first withdrawal 3-months from

Billy plans to withdraw $200 at the end of every 3-months for 16-years from a fund. He wants to make his first withdrawal 3-months from today. How much does Billy have to deposit today if interest is earned at j4= 7% for the first 10-years and j4= 6% for the last 6-years?

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