Debbie plans to buy a house for cash instead of paying a mortgage. She is willing to set aside $12 000 at the end of each year for 15 years. She puts her savings in a Tax Free Savings Account (TFSA) and invests them in a high risk mutual fund, which has traditionally earned 9.2% annually. Money decreases in value by 2.5% per annum. How much will Debbie have saved after 15 years?