Julia Baker died, leaving to her husband Brent an insurance policy contract that provides that the beneficiary (Brent) can choose any one of the following four options. Money is worth 2.50% per quarter, compounded quarterly. $4,137 every 3 months for 3 years and $1,479 each quarter for the following 25 quarters, all payments payable at the end of each quarter.What is the present value?