Calculate the combined equivalent value of the scheduled payments on the indicated dates. The rate of return that money can earn is given in the fourth column. Assume that payments due in the past have not yet been made. 
Definitions:
Fibroblasts
A type of cell found in connective tissue which produces collagen and other fibers.
Leukocytes
White blood cells that are part of the immune system, protecting the body against both infectious disease and foreign invaders.
Retroviruses
A group of RNA viruses that insert a DNA copy of their genome into the host cell in order to replicate, e.g., HIV.
Invading Organisms
Pathogens, such as bacteria, viruses, and parasites, that enter the body and cause various diseases or infections.
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