Sharae is looking to lease a Pilates studio from StudioRenter Inc. The lease terms states that Sharae must pay $5,000 every six months for 5 years; the studio is expected to last 7 years. The lease agreement states that at the end of the lease, Sharae can purchase the studio for $70,000. The fair value of the studio is $52,000, and the annual interest rate is 4%. What is the present value of the lease payments? Round your final answer to the nearest whole number. Using the information above, would the lease agreement between Sharae and StudioRenter Inc be classified as a finance or operating lease? Write either "Finance" or "Operating"