Your client, Anita, is hurt in a car accident and comes to you for some advice. Her lawyer wins a $100,000 settlement to be distributed as follows: $20,000 immediate payment today, $5,000 per year for ten years starting today, $30,000 balance in the tenth year. If the lawyer collects a fee of $10,000 upfront (today), what is the present value of this settlement, if Anita can earn 10% on her money?