Gannon Auto issued a $180,000, five-year note payable to Starkey Vehicles in exchange for cash. The note was issued at 12%, but notes with similar risk have an interest rate of 9 percent. Gannon is expected to make five annual interest payments of $21,600 with one lump-sum payment for the principal at the end of Year 5. How much cash will Gannon receive on the date the note was issued? Assume that the PVF-OA5, 9% = 3.88965, PVF-OA5, 12% = 3.60478, PVF5, 9% = 0.64993, and PVF5, 12% = 0.56743.