Prosent value of complex cash flows) How much do you have to deposit today so that beginning 11 years from now you can withdraw $6,000 a year for the next 4 yoars (periods 11 hrough 14) plus an additional amount of $12,000 in the last year (period 14)? Assume an intorest rate of 9 percent. The amount of money you have to deposit today is 5 (Round to the nearest cent.)