The following information is provided relating to a stream of cash flows: Year Amount of cash flow 1-4 $20,000 per year (payments at the beginning of the year) 5-9 $10,000 per year (payments at the end of the year) Assume an interest rate of 6% compounded annually. Calculate the present value of the stream of cash flows above. You will need to use the time value of money table factors posted in carmen to answer this question. To access these factors, click modules and then scroll to week 12. Click on the link labeled present & future value table factors. No credit will be awarded for this question using a means other than these table factors to answer this question.