On January 1, 2020, Ron decided he will withdraw $10,000 from a special account each year beginning December 31 , 2020 , with the last withdrawal being made on December 31,2023 . Ron wants to know how much he will need to deposit in his account on January 1,2020 to cover the withdrawals if the account eams 1006 compounded annually. To solve the problem, Ron must find the present value of an aneily tae a defened innaity an ondinary antaity I single sum