(Complex present value) How much do you have to deposit today so that beginning 15 years from now you can withdraw $9,000 a year for the next 6 years (periods 15 through 20) plus an additional amount of $18,000 in that last year (period 20)? Assume an interest rate of 14 percent.

a. What is the value of the $9,000 withdrawals in years 15 through 20 at the end of year 14 if the annual interest rate is 14 percent?