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Otto is planning for his sons college education to begin

Otto is planning for his son's college education to begin ten years from today. He estimates that the end-of-the-year tuition, books, and living expenses to be $10,000 per year for a four-year-degree. How much must Otto deposit today, at an interest rate of 12%, for his son to be able to withdraw $10,000 per year for four years of college?

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