A college student is reported in the newspaper as having won $8,500,000 in the Kansas State Lottery. However, as is often the custom with lotteries, she does not actually receive the entire $8.5 million now. Instead she will receive $425,000 at the end of the year for each of the next 20 years. If the annual interest rate is 5%, what is the present value (todays amount) that she won? (ignore taxes).