You have just won the lottery. You will receive $4,000,000 today, and then receive 40 payments of $1,000,000. These payments will start one year from now and will be paid every six months. A representative from Greenleaf Investments has offered to purchase all the payments from you for $20.4 million. If the appropriate interest rate is an 8 percent APR compounded daily, should you take the offer? Assume there are 365 days per year.