Numbers of coffee per month: 40
Numbers of coffee per year: 40 x 12 = 480
480 * ($4.05) = $1944
$1944 * 0.036 = $69.98
Annual savings = $1944 + $69.98 = $2013.98
Savings on 13 years = $2013.98 *13 = $26181.79
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