Your friend needs money today and can pay you $5,714 in 4 years, $2,689 in 7 years, $7,608 in 12 years and $709 at the end of each quarter starting at the beginning of year 4 and ending at the beginning of year 14. How much would you be willing to lend him today if you both agree that 8.51% interest per year is fair. Assume all interest is compounded quarterly. Answer is $16,826.09 but I can't figure out how to get there.