You are given the following cash flow information. The appropriate discount rate is 6 percent for years 1-4 and 2 percent for years 5-10. Payments are received at the end of the year. Year Amount Interest Rate 1-4 $8,000 6% 5-10 $11,000 2% What should you be willing to pay right now to receive the income stream above? I need step-by-step instructions that explain why specific interest rates are used.