2-31. On January 1st, 2017, your great uncle creates an account in your name and invests $20,000 in treasury bills. The nominal rate on the T-bills is 1.95% compounded every 73 days. Exactly 6 months later, your mother deposits $10,000 into an investment account, compounding continuously at 4% per year. What is the combined value of these two accounts on Jamary 1st, 2019