You have just received an inheritance and as a result you will be getting 15 equal payments of $1 million each. The first payment will be received in 1 year and thereafter, the other 14 payments will be received every three years (that is, in year 4, 7, 10, etc.). The current annual interest rate of 10% will remain stable for the next 4 years and then it will increase to 15%. Calculate the present value of your inheritance.