Find the present value of the following cash flow stream assuming a discount rate of 8%: A payment of $10,000 received at the end of each MONTH over the coming 4 years, followed by a payment of $5000 received at the end of each MONTH over the 6 years after that.

a.) $556,975.15

b.) $409,619.13

c.) $285,172.61

d.) $207,297.84

e.) $616,916.97