Robert just won a $$20$ mil lottery. The term of the lottery states that he will receive $$1$ million per year for $20$ years and the first payment will be awarded immediately upon the presentation of the ticket. The lottery will withhold $30\%$ of the payment for tax purposes and the appropriate discount rate is $4\%.$ If Tobi opts to receive a lump sum payment right now instead of $20$ payments over $20$ years, how much money will he be paid?