Umbrella Corp is expanding rapidly and currently needs to retain all its earnings; therefore, it does not pay dividends. However, investors expect Umbrella Corp to begin paying dividends, beginning with a dividend of $0.25 coming 3 years from today. The dividend should grow rapidly, at a rate of 40% per year, for years 4 and 5, but after that, growth should be constant at 10% per year. If the required return on Umbrella Corp is 15%, what is the value of the stock today?