A $3.6 million state lottery pays $15,000 at the beginning of each month for 20 years. How much money must the state actually have in hand to set up the payments for this prize if money is worth 6.8%, compounded monthly? (a) Decide whether the problem relates to an ordinary annuity or an annuity due. annuity due ordinary annuity (b) Solve the problem. (Round your answer to the nearest cent.).