I’m going to put $100,000 into an investment at the beginning of year 1. At the end of year 3, I am going to add $50,000 more to the investment. In year 4, I will start to remove $20,000 per year (on the first day of the year). If the interest rate on the investment is 8.2%/year (compounded annually), how long (to the nearest year) before the balance in the investment drops to zero? Work this problem on a spreadsheet using simple and compound interest formulas only (assume discrete compounding). You must include a cash flow diagram to get full credit.