Sam retires today at the age of 66 and invests his life savings into an account that is guaranteed to earn 4.8% per year. Sam expects to live to the age of 87, withdraw $0.077mln from the account at the end of each year, and leave his heirs $1.612mln (this amount will be the account balance at the time of his death). How much is Sam putting in the account today, in $ million?