N FV $1 1 1.03000 PV $1 0.97087 FVA $1 1.0000 2 1.06090 0.94260 2.0300 1.91347 Present and future values of $1 at 3% are presented below. FVAD $1 PVAD $1 1.0300 1.00000 2.0909 1.97087 PVA $1 0.97087 3 1.09273 0.91514 3.0909 4 1.12551 0.88849) 4.1836 5 6 1.15927 0.86261 1.19405 0.83748 5.3091 2.82861 3.71710 4.57971 6.4684 5.41719 3.1836 2.91347 4.3091 3.82861 7 1.22987 0.81309 7.6625 6.23028 8 1.26677 0.78941 8.8923 9 1.30477 0.76642 10.1591 10 11 12 13 14 1.34392 0.74409 1.38423 0.72242 1.42576 0.70138 1.46853 0.68095 1.51259 0.66112 11.4639 7.01969 7.78611 8.53020 12.8078 9.25262 14.1920 9.95400 15.6178 10.63496 17.0863 11.29607 15 1.55797 0.64186 18.5989 11.93794 5.4684 4.71710 6.6625 5.57971 7.8923 6.41719 9.1591 7.23028 10.4639 8.01969 11.8078 8.78611 13.1920 9.53020 14.6178 10.25262) 16.0863 10.95400 17.5989 11.63496 19.1569 12.29687 16 1.60471 0.62317 20.1569 12.56110 20.7616 12.93794 Shelley wants to cash in her winning lottery ticket. She can either receive twelve. $193,000 semiannual payments starting today, or she can receive a single amount payment today based on a 6% annual interest rate. What is the single-amount payment she can receive today?