You were planting a garden in your back yard and came upon a buried treasure. First, you open an envelope with a series of ten $5,000 savings bonds, each maturing one year after the other starting next year. There is also an envelope with five $10,000 bonds with similar staggered maturity dates, starting four years after the first set of bonds is finished. If interest rates are 3%, what is the present value of your find? State all assumptions and show all work!