You will invest in something that will give you a payment of $$191$ two times each year. You plan to hold on to the investment and hope to sell it for $$38212$ in $14$ years. Investments of this risk should earn $11\mathrm{.}78\%.$ How much is it worth today? $($hint: There is both an annuity $($the semi$-$annual payments$)$ and a lump sum $($the selling price$).$ Find the present value of each and add them together. Use the same $"$r$"$ and $"$t$"$ for both the annuity and the lump sum.$)$