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225000k^(4*12)-(225000k^(30*12)(1-k)/(1-k^(30*12)))(1-k^(4*12))/(1-k), k=1+.03/12
225000k^(4*12)-(225000k^(30*12)(1-k)/(1-k^(30*12)))(1-k^(4*12))/(1-k), k=1+.03/12
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