I need help really bad with this 920 fluid ouncesday=tablespoonsday

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Every time you drive you will experience a combination of driving conditions and environments.

Trish receives $450 on the first of each month. josh receives $450 on the last day of each month. both trish and josh will receive payments for next four years. at a discount rate of 9.5 percent, what is the difference in the present value of these two sets of payments?