Suppose that you have a choice between receiving $10,000 now and receiving $1000 per month for the next 12 months. Assuming that you can invest at a 12% annual percentage rate (APR) with monthly compounding, what is:                                                                                    v the break-even number of monthly payments at which you are indifferent between receiving $10,000 now and receiving $1000 per month, given an APR of 12% with monthly compounding?

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A: solution on next page