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90-20%=90-0,2×90=90-18=72
3000+72=3072
3072+3%=3072+0,03×3072=3072+92,16
92,16-20%=92,16-0,2×92,16=92,16-18,432=73,73zł
3072+73,73=3145,73zł bedzie po 2 latach oszczedzania