Ibama received a ten-year annuity. It paid $100 at the end of each quarter for the first four years, and $35 each month for the remaining six years. Express the value at the time of the last payment in terms of annuity symbols introduced in this section if the annual effective interest rate is i for the first four years and j for the following six years. Evaluate if i D 3% and j D 4:5%.