A wealthy philanthropist has established the following endowment for a hospital. The details are as follows: a cash deposit of $ $15$ M one year from now; an annual cash deposit of $$3$M per year for the next five years. The first $$3$M will start today. At the end of $5$ years, the hospital will also receive a lump sum payment of $$19$M$.$ Assuming the cost of money is $4\%,$ what is the value of this endowment in today$$s dollars? How do you do this problem step by step without excel