you win a lottery that pays 7000 per month for 10 years,starting at month end.You have the option of taking a lump sum today instead of the monthly payments.The lottery people tell you that if you take the monthly payments,the money you won is expected to earn 8.56% APR compounded monthly for the entire 10 years it will be invested.Given these data,what is the lump sum you would expect to recieve today?