You have just won the Life’s Downhill After 30 lottery. The lottery payments will be made for the next 30 years. The payments are slightly unusual in that you will be paid $600,000 every six months starting six months from today, for a total of 60 payments. You will also receive $900,000 every nine months starting nine months from today, for a total of 40 payments. When the payments coincide, for example 18 months from today, you will receive both payments. If the interest rate is an APR of 8.1 percent compounded monthly, what is the present value of your winnings?