5.3.9 Find the final amount in the following retirement account, in which the rate of return on the account and the regular contribution change over time. $649 per month invested at 5%, compounded monthly, for 7 years, then $788 per month invested at 6%, compounded monthly, for 7 years. What is the amount in the account after 14 years? (Do not round until the final answer. Then round to the nearest dollar as needed.)