Math finance question on Varying Annuities with Payments at a Different Frequency than Interest is Convertible

On his 65th birthday, Smith would like to purchase a ten-year annuity-immediate
that pays 6000 per month for the first year, 5500 per month for the second
year, 5000 per month for the third year, and so on. Using an annual effective
interest rate of 5%, how much will Smith pay for such an annuity?

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