Determine the present value of an ordinary annuity of $2,000 for 6 years, assuming it earns 8%. Asumme that the first cash flow from the annuity comes at the end of Year 5 and the final payment at the end of Year 10. That is, no payments are made on the annuity at the end of years 1 through 4. Instead, annual payments are made at the end of Years 5 through 10.

- what is the formula to be used in this question?