The $36.0 million lottery payment that you have just won actually pays $2.4 million per year for 15 years. The interest rate is 9% a. If the first payment comes in 1 year, what is the present value of the winnings? Note: Do not round intermediate calculations. Enter your answer in millions of dollars rounded to 2 decimal places. b. What is the present value if the first payment comes immediately? Note: Do not round intermediate calculations. Enter your answer in millions of dollars rounded to 2 decimal places