A football player just signed a contract for $34 million. The terms of the contract were $6 million immediately, $3.5 million per year for the first 4 years (with the first payment occurring exactly one year from now) and $4.67 million per year for the next 3 years (with the first payment at the end of year 5). If the football player's interest rate is 6.3% per year, what is the contract worth at the time he signs it