(2+(1-(0.95^4)))*(17.75+5+0.05*(17.75+6.3)) + (0.95^4) * (12.417+5+.05*(12.417+5.25))(2+(1-(0.95^4)))*(17.75+5+0.05*(17.75+6.3)) + (0.95^4) * (12.417+5+.05*(12.417+5.25))

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