Present and future value tables of $1 at 3% are presented below: N FV $ 1 PV $1 1 1.03000 0.97087 2 1.06090 0.94260 3 1.09273 0.91514 4 1.12551 0.88849 1 5 1.15927 0.86261 | 6 1.19405 0.83748 7 1.22987 0.81309 8 1.26677 0.78941 9 1.30477 0.76642 10 | 1.34392 0.74409 11 1.38423 0.72242 12 1.42576 0.70138 13 | 1.46853 0.68095 14 | 1.51259 0.66112 15 1.55797 0.64186 16 1.60471 0.62317 FVA $1 PVA $1 FVAD $1 PVAD $1 1.0000 0.97087 1.0300 1.00000 2.0300 1.91347 2.0909 1.97087 3.0909 2.82861 3.1836 2.91347 4.1836 3.71710 4.3091 3.82861 5.3091 4.57971| 5.4684 | 4.71710 6.4684 5.41719 6.6625 5.57971 7.6625 6.23028 7.89236.41719 8.8923 7.01969 9.1591 7.23028 10.1591 7.78611 10.4639 8.01969 11.4639 8.53020 11.80788.78611 12.8078 9.25262 13.1920 9.53020 14.1920 9.95400 14.6178 10.25262 15.6178 10.63496 16.0863 10.95400 17.0863 | 11.29607 17.5989 11.63496 18.5989 11.93794 | 19.1569 12.29607 20.1569 12.56110 20.7616 | 12.93794 Shelley wants to cash in her winning lottery ticket. She can either receive fourteen, $204,000 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