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( Present value of complex cash flows ) How much do you have to deposit today so that beginning 1 1 years from now you

(Present value of complex cash flows) How much do you have to deposit today so that beginning 11 years from now you can withdraw $5,000 a year for the next 6 years (periods 11 through 16) plus
an additional amount of $10,000 in the last year (period 16)? Assume an interest rate of 9 percent.
The amount of money you have to deposit today is $ (Round to the nearest cent.)
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