After an unfortunate incident with Marvin, where the "Wolf" needed to be called in to clean up the mess, Vincent Vega decided that working for Marsellus was getting too risky. He gave Marsellus his three-year notice and immediately starting planning for his retirement. After talking to his financial planner Jules, Vincent figured that he could get by with a retirement account that would generate a yearly perpetuity series of $40,000 withdrawals, with the first withdrawal being made exactly 3 years from now, when Vincent plans to retire. Assume the account will earn interest at a rate of 3% APR, compounded semiannually. How much money would Vincent Vega have to invest in the account today to fund his retirement?