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Discounted Income Streams No Degree Specialist degree Year Discount factor Age no recession recession 1 1.05 20 38095 2 21 3 22 4 23 5

Discounted Income Streams No Degree Specialist degree Year Discount factor Age no recession recession 1 1.05 20 38095 2 21 3 22 4 23 5 24 6 25 7 26 8 27

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