Del Monty will receive the following payments at the end of the next three years: $$10,000,$ $$13,000,$ and $$15,000.$ Then from the end of the $4$th year through the end of the $10$th year, he will receive an annuity of $$16,000$ per year.

At a discount rate of $16$ percent, what is the present value of all three future benefits?