Rita Gonzales won the $38 million lottery. She is to receive $1.1 million a year for the next 25 years plus an additional lump sum payment of $10.5 million after 25 years. The discount rate is 12 percent. What is the current value of her winnings? Use Appendix B and Appendix D for an approximate answer, but calculate your final answer using the formula and financial calculator methods. (Do not round intermediate calculations. Round your final answer to 2 decimal places.) Present value