In order to have 95.000€ in 20 years, mrs Rossi decides to deposit an annual constant ordinary instalment R in a bank account that gives an annual interest rate i=0.065. At the time of instalment 4,...

In order to have 95.000€ in 20 years, mrs Rossi decides to deposit an annual constant ordinary instalment R in a bank account that gives an annual interest rate i=0.065. At the time of instalment 4, she decided to deposit an extra instalment of 4000€ and to anticipate the previous deadline of 3 years. In order to reach this goal she started to deposit a new annual constant ordinary instalment R*. Can you show me a step by step solution to find R*, complete with formulas?