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((3500/2)*((1+0.0546/2)^(2*18)-1)/(0.0546/2))/((1+0.0546/2)^(2*18))
((3500/2)*((1+0.0546/2)^(2*18)-1)/(0.0546/2))/((1+0.0546/2)^(2*18))
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