One rainy night in Georgia, Dwayne Jasper, left work early to attend a family wedding rehearsal dinner. Eleven minutes later his SUV was hit by log truck, leaving Dwayne in a coma for the next two months. Now he is unable to hold a job or make everyday decisions and requires constant care. Last week, the 45 year old Dwayne won an out-of-court settlement from the log company. He was awarded payment for all medical costs and attorney fees plus a lump sum settlement of $2,330,716. At the time of the accident, Dwayne was president of his family's business and earned $200,000 a year. He was looking forward to the next 25 years in this same position before he planned to retire. Dwayne's sister, Michelle, a client of yours sent you an e-mail and has asked you to explain to her how the attorneys came up with the settlement amount. "They said it was based on his lost future income and at a rate of some kind," she explained. "But it was all "legal-speak" to me." Draft a business email to respond to Michelle Brightstar's questions. Be sure to include the effective interest rate used to determine the lump sum settlement