At Corner Bakery, the average customer in the "Young Mothers" segment brings in $76 in annual margin to the firm. In turn, Corner Bakery spends $20 per customer each year on retention communications. Acquiring a customer in this category costs the Corner Bakery an average of $62. Corner Bakery's retention rate for these customers is 81%. If the company maintains a discount rate of 10%, calculate customer lifetime value for 1 "Young Mothers" customer. Rounding: penny.