Rita Gonzales won the $45 million lottery. She is to receive $1.6 million a year for the next 20 years plus an additional lump sum payment of $13 million after 20 years. The discount rate is 15 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.)