Directions for questions 62 and 64: Substitute different digits (0, 1, 2, ... 9) for different letters in the problem below, so that the corresponding addition is correct and it results in the maximum possible value of MONEY.
| P | A | Y | ||
| M | E | |||
| R | E | A | L | |
| M | O | N | E | Y |
This grid represents the addition PAY + ME + REAL = MONEY, where each letter stands for exactly one digit and no two letters share the same digit.
The letter 'Y' should be: