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Carl Downswell will receive the following payments at the end of the next three years: $15,000,$18,000, and $20,000. Then from the end of the fourth year through the end of the tenth year, he will receive an annuity of $21,000 per year. At a discount rate of 16 percent, what is the present value of these future benefits? (Use a Financial calculator to arrive at the answer. Round the intermediate and final answer to the nearest whole dollar.) Present value of all future benefits