Compute the (end-of-year) annual uniform series equivalent for the following cash flows, where the interest rate is 13% before year 4 and 16% between year 4 and year 8, and 20% between year 8 and 10, all of them compounded quarterly.

TIME CASH FLOW

0 4500

1 4500

2 4500

3 4500

4 4500

5 5000

6 4800

7 4600

8 4400

9 4200

10 4000