CFAI Book 4 Question 12 Reading 45 long, calculator, getting, online

clearlycanadian

Hello,
What is going on here with the books explanation?
Using these inputs
FV = 10,000,000
PMT = 400,000
N=10
I/YR = 13.65
They say that PV = $7,999,688
I am getting PV = $4,896,931.51 on my HP10B and an online calculator. I CANNOT get that answer using hte EXACT same imputs.
I can do PV all day long, but what is going on with this explanation from Appendix A6???
THanks!