Present and future value tables of $1 at 3% are presented below. N FV $1 PV $1 1,01000 0.97087 FVA $1 1.0000 PVA $1 0.97087 FVAD $1 PVAD $1 1,0300 1.00000 1.00090 0.94260 2.0300 1.91347 2.0909 1.97087 3 1.09273 0.91514 3.0989 2,82861 3.1836 2.91347 4 1.12551 0.88849 4.1836 3.71710 S 1.15927 0.80201 4,3091 3.82861 5.3091 4.57971 5.4684 4.71710 6 1.19405 0.8374 6.4684 7 1.229879.1300 7.6625 1.26677 0.78941 8.0923 " 10.1591 11.4639 36 1.60471 0.62317 5.41719 6.6625 5.57971 0.23020 7.0923 6.41719 7.01909 9.1591 7.23028 1.30477 0.76642 7.70611 10:4639 8.01969 10 1.34392 0.74409 8.53020 11.0078 8.78611 11 1.18423 0.72242 12.0078 9.25262 13.1920 9.53020 12 1.42576 0.70136 14.1920 9.95400 14.6178 10.25262 13 1.46853 0.68095 15.6178 10.63496 16.0561 10.95400. 14 1.51259 0.66112 17.0663 11.29607) 17.5989 11.63490 15 1.55792 0.64186 18.5909 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, $192.000 semiannual payments starting today or she can receive a single-amount payment today based on a samal t rate What is the single-amount payment she can receive today?