While texting on their phone, Jack and Jill are involved in an automobile accident and their lawyer wins a settlement to be distributed as follows:

$$55,000$ immediate payment

$$10,000$ a year for ten years starting now

$$90,000$ after ten years.

If the lawyer's fee is $$35,000,$ what is the present value of this settlement if the interest rate is $10$ percent?

Present Value $5$ points, $($please show your work$)$