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PV = 42,000 x 1-(1 +0.12) 0.12 -20 PV=42,000(10.12(1+0.12)20) Pv 1-(1+0.0)-

PV = 42,000 x 1-(1 +0.12) 0.12 -20
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PV=42,000(10.12(1+0.12)20)

Pv 1-(1+0.0)-

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