A Port Glasgow student is celebrating today after winning a fantastic $2,543,000 Lotto jackpot in last Wednesdays draw only a week after she dreamt she would win the lottery. Mother-of-one, Kerri Cartwright (28), is studying for an HNC in Administration and IT at James Watts College and works part time at Port Glasgow Golf Club. It was because of daughter, Stephani (3), that Kerri bought a ticket in the first place. Kerri has decided to collect all her winnings right away instead of 20 annual installments. Using a rate of 9.5%, how much will she collect? (Recall that for each million the winner would get $50,000)

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