The usual legal settlement for an industrial accident is the present value of the employee's lifetime earnings. If you expect to work for 10 more years, make $80,000 a year in the next 2 years, and get a raise of $4,000 every 2 years, what would be your settlement? Assume an annual discount rate of 3% in the first 5 years and 5% in the second 5 years, and that your paycheck is received at the end of each year