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485000k^(12*6) -(485000k^(12*30)(1-k)/(1-k^(12*30)))(1-k^(12*6))/(1-k), k=1+.0495/12
485000k^(12*6) -(485000k^(12*30)(1-k)/(1-k^(12*30)))(1-k^(12*6))/(1-k), k=1+.0495/12
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