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Suppose you deposit $4,000 per year in each of the next 4 years. The deposit occurs one year from today, so your cash flow stream

Suppose you deposit $4,000 per year in each of the next 4 years. The deposit occurs one year from today, so your cash flow stream represents an ordinary annuity. If the account pays an interest rate of 5%, what is the future value of this annuity immediately following the final deposit? Round your answer to the nearest penny.

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