What is the present value of a 12-year annuity of $4,500 per period in which payments come at the beginning of each period? The interest rate is 13 percent. Use Appendix D for an approximate answer, but calculate your final answer using the formula and financial calculator methods. When using Appendix D to find the present value of this annuity due, subtract 1 from n and add 1 to the table value. (Do not round intermediate calculations. Round your final answer to 2 decimal places.) Present value