Consider an inheritance that pays the beneficiary an annuity of $$200$ that begins immediately $($an annuity due$)$ and then annually in year $1$ through year $24($for a total of $25$ years$)$ with one exception $-$ the payment in year $19,$ and only $19,$ is not $$200$ but $$0.$ Using an interest rate of $9\%,$ determine the present value of this cash flow stream.