Sam retires today at the age of 64 and invests his life savings into an account that is guaranteed to earn 4.86% per year. Sam expects to live to the age of 91, withdraw $0.113mln from the account at the end of each year, and leave his heirs $1.435mln (this amount will be the account balance at the time of his death). How much is Sam putting in the account today, in $ million?