What sum should you deposit into an account to yield 20 year end payments, starting with $10,000 at the end of the first year and increasing by 4% each year at an interest rate of 8% compounded quarterly?

you have to calculate the effective interest = [(1 +i)/4]$ = [(1.08)/4]^4 for the compounded quarterly, but this comes out to a negative number. ? Whatever the interest should come out to I believe you plug it into 1+g'=(1+ieff)/(1+g). Then plug g' into the equation for P should yield the final result asked in the question.