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I did this all wrong but got the right answer? Took half of .075, used d=(1+i)/i to get discount rate, and just added. Decimal was off, but i got the numbers right. Luck?

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I think a reasonable rule of thumb is that if you did a problem in a non-standard way and got a different decimal answer that happens to round to the right answer choice then you probably got lucky.
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Sorry, but it sounds like you got lucky.

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