Please, write the formula for PV by hand or type it in the word. I cannot use the excell to calculate this. I need to know exact steps of how we got the PV of $181.34. Thank you

the bond? BOND RETURNS Last year Janet purchased a $1,000 face value corporate bond with an 8% annual coupon rate and a 15-year maturity. At the time of the purchase, it had an expected yield to maturity of 10.45%. If Janet sold the bond today for $820.17, what rate of return would she have earned for the past year