A college student is reported in the newspaper as having won $10,000,000 in the Texas Lottery. However, as is often the custom with lotteries, she does not actually receive the entire $10 million now. She may either take a lump sum now or she will receive $500,000 at the end of each year for the next 20 years. If the annual interest rate is 6%, how much should she accept as a minimum lump sum instead of the annual payments