Please don't solve the problem using Excel A 9-year annuity has a series of payments 1, 2, 3, 4, 5, 4, 3, 2, 1, with the first payment made at the end of the second year. The present value of this annuity at an annual effective rate of interest of is $22. A 10-year annuity has a series of payments 1, 2, 3, 4, 5, 5, 4, 3, 2, 1, with the first payment made at the end of the first year. Calculate the present value of the 10-year annuity at an interest rate of .

a) define variables, formulas, and explain why you are going to use each formula you will use with proper notation

b) actually do the work and get the correct answer; graph the answer or use a timeline

c) write something unique you learned or some trend you saw