You can purchase one of two annuities:

Annuity 1: An 11-year annuity-immediate with payments starting at 1 and then increasing by 1 for 5 years, followed by payments starting at 5 and then decreasing by 1 for 4 years. The first payment is in two years.

Annuity 2: A 13-year annuity-immediate with payments starting at 5 and then increasing by 2 for 5 years, followed by payments starting at 16 and then decreasing by 4 for 3 years. The first payment is in one year.

The present value of Annuity 1 is equal to 36. Determine the present value of Annuity 2.

The answer given is 106 but I don't know how to do it.