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You are given an annuity - immediate paying 1 0 for 1 0 years, then decreasing by one per year for nine years and paying

You are given an annuity-immediate paying 10 for 10 years, then decreasing by one per year for
nine years and paying one per year thereafter, forever. The annual effective rate of interest is
3.5%. Calculate the present value of this annuity.
A.119
B.121
C.123
D.125
E.127
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