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Problem Seti due 10/25 11AM Seved Help Sa If you owe $44,000 payable at the end of seven years, what amount should your creditor accept in payment immediately if she could earn 12 percent on her money? Use Appendix 3 for an approximate answer, but calculate your final answer using the formula and financial calculator methods. (Do not round Intermediate calculations. Round your final answer to 2 decimal places.) Present value