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How much do you have to deposit today so that beginning 11 yrs from now you can withdrawn $15,000 a yr for the newt 6

How much do you have to deposit today so that beginning 11 yrs from now you can withdrawn $15,000 a yr for the newt 6 yrs plus an additional amount of $30,000 in the last year (period 16)? Assume an interest rate of 8%

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