Hazal has been making a series of payments at the beginning of each year for 20 years. The first payment is 100 TL. For 10 years, payments show an increase of 4% compared to the previous year. After...

Hazal has been making a series of payments at the beginning of each year for 20 years. The first payment is 100 TL. For 10 years, payments show an increase of 4% compared to the previous year. After the 10th payment, each payment decreases by 4% compared to the previous one. Since the annual effective interest rate is 7%, calculate the cumulative value of this series of payments.