you win a judgment in an auto accident case for $87,500. you immediately receive $25,000 but must pay your lawyer's fee of $15,000. in addition, you will receive $2,500 a year for 15 years for a total of $37,500, after which the balance owed ($25,000) will be paid. if the interest rate is 8 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.