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4. You will receive a 20-year annuity of 52.750 every month for the next 20 years (the first payment is one month from today, two hundred and forty payments in total) as well as a $125,000 lump sum to be received 20 years from today. What is the present value of these cash flows you will receive in the future if the appropriate discount rate is 7.25% APR? 5. You have just deposited $35.000 into a retirement account. You expect to make monthly deposits of $350 into this account over the next 40 years. For the first 25 years. you plan to pursue an aggressive investment approach with an average annual rate of retum of 12%. After that you plan to become more conservative, and eam an annual return of % for the remaining 15 years. How much money will you have in your account when you retire 40 years from now