Consider a lottery that pays to the winner an annuity of $800 that begins at the end of the first year and continues at the end of each consecutive year for a total of 18 years with one exception. Because of high administrative costs associated with running the lottery, the payment in year 5, and only in that specific year, is not $800 but $0. Using an interest rate of 4.50%, determine the present value of this cash flow stream.