Consider a lottery that pays to the winner an annuity of $3000 that begins in one year and continues to be paid at the end of each year for 6 consecutive years with one exception -- the payment at the end of year 4 (and only in this year) is not $3000 but instead is $1500. Using an interest rate of 9.5%, determine the present value of this prize. $

Place your answer to the nearest dollar 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.