Determine the present value (accurate to the cent) of the ordinary general annuity: 
Definitions:
Equilibrium Point
A state in which market supply and demand balance each other, and as a result, prices become stable.
Endowment Effect
A psychological and behavioral economics phenomenon where individuals value an owned object higher than a similar object they do not own.
Item Value
The worth or usefulness of a specific good or service, often determined by factors like utility, demand, and rarity.
Ownership
The legal right or status of having control over something, typically property or goods.
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