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Brianna and Ricky plan to send their daughter to university. To pay for this they will contribute 12 equal yearly payments to an account bearing

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Brianna and Ricky plan to send their daughter to university. To pay for this they will contribute 12 equal yearly payments to an account bearing interest at the APR of 9.6%, compounded annually. Four years after their last contribution, they will begin the first of five, yearly, withdrawals of $40,000 to pay the university's bills. How large must their yearly contributions be

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