The formula for the Present Value Interest Factor of an Annuity (PVIFA) is 
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Definitions:
Reaction
A process in which substances interact to form one or more new substances through the rearrangement of atoms or the change in their chemical bonds.
Organic Product
A compound resulting from an organic reaction, often specifying a natural or environmentally friendly substance.
Synthesis
The process of combining components or elements to form a coherent entity, often referring to chemical synthesis.
Reactants
Substances initially present in a chemical reaction that are consumed to form products during the reaction.
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