You have just won a lottery entitling you to receive, starting today, a series of 15 semiannual payments of $5,000 each, followed, one year after this series of payments ends, by a second series of annual payments of $20,000 each forever! (The first $20,000 payment is to be received exactly one year after the last $5,000 payment.) If the appropriate discount rate is r = 8.8% compounded continuously, what is the present value of these lottery payments? [suggestion: Draw the cash flow diagram to aid you in solving this problem.]