Hey I'm trying to find PV on this convoluted HP 10bII+ but the calculator keeps giving wrong answers. 25,000 FV for 7 years at 4% interest rate supposed to be $18,946.88. I keep getting 19,009 and 21,764.0045. I use SHIFT DOWN 2 p/yr, n=7, FV=25,000 , I=4% then PV

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