Strata committee SP666 has resolved to accumulate a sum of $1000 000 in ten years' time in order to pay for building repairs. Quarterly payments (in advance) will be made over the ten years, commencing immediately. SP666 has secured a return on its investment for the first five years of 12 =2% p.a. and for the second five years of j2 =3% p.a. What amount does SP666 have to pay each quarter? Include in your answer a fully labelled cash flow diagram (drawn from SP666's perspective), your chosen valuation date and an equation of value