Joan Lucky won the $53,000,000 lottery. She is to receive $2.2 million a year for the next 20 years plus an additional lump-sum payment of $9 million after 20 years. The discount rate is 12 percent.

What is the current value of her winnings? (Use a Financial calculator to arrive at the answer. Round the final answer to the nearest whole dollar.)

Current Value $

Please show your step on financial calculator.