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What is the fair market value for a retirement annuity that would provide $4,000 at the end of each quarter at 5.9% compounded quarterly for

What is the fair market value for a retirement annuity that would provide $4,000 at the end of each quarter at 5.9% compounded quarterly for the first 8 years and $5,000 at the end of each month at 6.1% compounded monthly for the next 7 years.

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