Let's assume that a late-twentieth century college graduate got a good job and began a savings account. He is paid monthly and authorized the bank to automatically withdraw $75 each month. The bank made the first withdrawal on July 1, 1997 and is instructed to make the last withdrawal on January 1, 2015. The bank pays a nominal interest rate of 4.5% and compounds twice a month. What is the future worth of the account on January 1, 2015?