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Rachel receives $2,100 from an investment at the beginning of every half-year for 20 years at 3.86% compounded quarterly. How many payments are there in

Rachel receives $2,100 from an investment at the beginning of every half-year for 20 years at 3.86% compounded quarterly.

How many payments are there in this annuity (rounded up to the next payment)?

39

41

40

42

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