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illy withdraws $500 at the end of every 3-months for 10 -years from a fund earning interest at j4=8% for 6 -years followed by j4=6%

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illy withdraws $500 at the end of every 3-months for 10 -years from a fund earning interest at j4=8% for 6 -years followed by j4=6% for the last 4 -years. How much does Billy have to deposit oday? You are given: a240.02=18.9139;a160.015=14.1313

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