You win a judgment in an auto accident case for $77,500. You immediately receive $25,000 but must pay your lawyer's fee of $20,000. In addition, you will receive $2,500 a year for 15 years for a total of $37,500, after which the balance owed ($15,000) will be paid. If the interest rate is 6 percent, what is the current value of your settlement? Use Appendix B and Appendix D to answer the question. Round your answer to the nearest dollar.