how do i arrive at the correct responce?

Question3: Score 0/1 Suppose you take out a car loan that requires you to pay $6,000 now, $4,000 at the end of year 1, and $6,000 at the end of year 2. The interest rate is 1% now and increases to 9% in the next year. What is the present value of the payments? Enter your response below rounded to 2 decimal places. Your response 15010.47 Auto graded Grade: 0/1.0 Correct response 15,410.4845 X Total grade: 0.0x1/1 = 0%