You win a judgment in an auto accident case for $130,000. You immediately recelve $20,000 but must pay your lawyer's fee of $15,000, 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 the current value of your settlement? Use Appendix B and Appendix D to answer the question. Round your answer to the nearest doliar