You have just won the lottery. You will receive $5 million today, and then receive 40 payments of $1.95 million. 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 $39 million. If the appropriate interest rate is an APR of 8 percent compounded daily, should you take the offer? Assume there are 365 days per year.