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How much do you have to deposit today so that you can withdraw $10,000 a year from years 11 through 13, $15,000 a year from

How much do you have to deposit today so that you can withdraw $10,000 a year from years 11 through 13, $15,000 a year from years 14-20, plus an additional amount of $20,000 in year 20. Assume an interest rate of 5% compounded annually. please show works and formulas. If using excel, please specify key functions.

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