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If you have a 10-year annuity paying $401 each six months beginning in 3 years when interest is 3.70% compounded semi-annually, what is the number

If you have a 10-year annuity paying $401 each six months beginning in 3 years when interest is 3.70% compounded semi-annually, what is the number of missed payments? Treat the deferred annuity as an annuity due with the first payment at the 3-year mark.

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