You just won the lottery for $79,000,000. The lottery offers a choice of either getting a lump sum payment (a chunk of money now, less than the 79mm), or receiving 23 equal and annual payments over the next 23 years, with the first payment coming at the end of the year. Assume an interest rate of 7.5%. You're trying to decide whether its better to take the lump sum, or the annual payments. What is the minimum amount that lump sum must be worth to be worth taking the lump sum payment (use your calculator)