Del Monty will receive the following payments at the end of the next three years: $20,000, $23,000, and $25,000. Then from the end of the 4th year through the end of the 10th year, he will receive an annuity of $26,000 per year. At a discount rate of 10 percent, what is the present value of all three future benefits? Use Appendix B and Appendix D for an approximate answer, but calculate your final answer using the