You have won a state lottery prize quoted as $"$ $$18$ million dollar lottery", what this really means is that if you take the monthly payments of $$75,000$ for $20$ years, you will have a total payout of $$18$ million. If the appropriate interest $($discount$)$ rate is assumed to be $4\mathrm{.}2\%$ APR, what would be the cash payout on this lottery today?