Ray deposits $1,000 at the beginning of each year for 20 years in an account earning 4%. 30 years after the first deposit, Ray takes the accumulated value of the account and purchases a perpetuity immediate that pays $200 each year for 10 years and P per year afterward. If the interest rate on the perpetuity is 6%, calculate P A 3170 3356 4132 4768 D 4965 E