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please explain in detail how you got the answer and why you used the formula you did. Sam, Mary, and David are expecting to receive

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please explain in detail how you got the answer and why you used the formula you did.
Sam, Mary, and David are expecting to receive cash flow stream of $20,000 for five years, starting in three years. If the relevant discount rate for the entire period is 10%. What is the PV of this cash flow stream? Does this stream represent an annuity due or an ordinary annuity

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