Your father just retired with an age of 65, and he is going to start receiving his monthly salary next month, the salary amount is JD 1,100, a broker made an offer to buy that salary for cash lump sum, assume the interest rates prevailing in the market will remain at 6% for the next 6 years and then will change to 7% for the next 4 years, then to change to 8% for the next 5 years, and then to change to 9% for the next 5 years, what is the fair market value for the salary assuming the pension fund will continue to pay until age 85?