You have won the local lottery. You have been awarded a 41-payment, constant growth annuity. The first payment is at year 0 and is equal to 10,000. Each subsequent payment will be paid in 6-month intervals, with the final payment at year 20. Further, payments will grow at a constant growth rate of 4 percent. The appropriate discount rate for this constant growth annuity is a nominal annual rate of 5.2 percent, with monthly compounding. Given this information, determine the value of, at year 0, of this constant growth annuity.