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Brenda plans to reduce her spending by $35 a month. What would be the future value of this reduced spending over the next 12 years?

Brenda plans to reduce her spending by $35 a month. What would be the future value of this reduced spending over the next 12 years? (Assume an annual deposit to her savings account and an annual interest rate of 6 percent.) Use Exhibit 1-B. (Round discount factor to 3 decimal places and final answer to 2 decimal places.)

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