Isabella is looking to buy an extremely fancy car without having to pay anything up front. On January 1, Year 1, a dealer offers her a payment plan for a Sports Car Pro, which requests that she pay $2,974 every six months, beginning July 1, Year 1, for the next 6 years. At the end of the six years, Isabella will make the final payment on the payment plan, along with a one-time payment of $144,562. 

Assuming an annual interest rate of 10%, how much money would Isabella need today to satisfy this given liability?