Consider a lottery that pays to the winner an annual annuity of $10 that begins in one year and continues for 9 consecutive years with one exception -- the payment at the end of year 3 (and only in this year) is not $10 but instead is $15. Using an interest rate of 7%, determine the present value of this prize. Place your answer in dollars and cents without using a dollar sign or a comma. For example, if your answer is one hundred thousand five hundred and seventy then place your answer as 100570. Work all analysis using at least four decimal places of accuracy