You win a judgment in an auto accident case for $130,000. You immediately receive $20,000 but must pay your lawyer's fee of $10,000. In addition, you will receive $4,000 a year for 20 years for a total of $80,000, after which the balance owed ($30,000) will be paid. If the interest rate is 6 percent, what is the current value of your settlement? Use Appendix B and Appendix D to answer the question. Round your answer to the nearest dollar.