Find the total differential of the function 
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Definitions:
Lump Sum
A single payment made at a particular time, as opposed to multiple payments made over time.
Insurance Settlement
The payment made by an insurance company to fulfill its obligation under an insurance policy.
Discount Rate
The interest rate charged to commercial banks and other depository institutions on loans received from the country's central bank's discount window.
Annuity
An investment vehicle offering a steady flow of payments to someone, often employed as a revenue stream for retired individuals.
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Q12: Find the total differential of the function
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