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I have confusion about question Debra wins $200000 in a lottery. She taked only $20,000 in cash and invests the balance...... this solution have direct

I have confusion about question Debra wins $200000 in a lottery. She taked only $20,000 in cash and invests the balance...... this solution have direct answer . I didnot understand which equation and formulae is used and how to get 88.193. What is of factor ?? Could u explain it.

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