In this case, PMT = $4000, the interest rate is 6.6% compounded quarterly, so r = 0.066/4 = 0.0165, and there are 5 years with 4 quarters per year, so n = 5 * 4 = 20.
Plugging these values into the formula, we get:
PV = 4000 * [(1 - (1 + 0.0165)^(-20)) /
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