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You are given an annuity immediate paying 10 for 10 years, then decreasing by 1 per year for 9 years, and paying one per year

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You are given an annuity immediate paying 10 for 10 years, then decreasing by 1 per year for 9 years, and paying one per year thereafter for 11 years. The annual effective interest rate is 4%. Calculate the present value of this annuity

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