You just won the $78 million Ultimate Lotto jackpot. Your winnings will be paid as $3,900,000 per year for the next 20 years. If the appropriate interest rate is 7.2 percent, what is the value of your windfall?

$42,038,188.97

$38,648,012.44

$40,682,118.36

$43,611,230.88

$39,711,230.88