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435809k^(12) - (435809k^(12*24)(1-k)/(1-k^(12*24))) (1-k^(12))/(1-k), k=1+.0595/12
435809k^(12) - (435809k^(12*24)(1-k)/(1-k^(12*24))) (1-k^(12))/(1-k), k=1+.0595/12
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