3. You won the lottery! You are considering whether or not to accept a lump sum amount or an annual annuity of $ 79,944 to be received at the end of every year for twelve years. Use 6% as the annual...

3. You won the lottery!  You are considering whether or not to accept a lump sum amount or an annual annuity of $ 79,944 to be received at the end of every year for twelve years.  Use 6% as the annual discount rate.  How much is the stream of payments worth now?  Round your answer to the nearest whole number.