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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 $11,000 a year for the next 4 years (periods 11 through 14) plus an additional amount of $22,000 in the last year (period 14)? 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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