9. Brad buys a 20 year annuity that provides payments at the end of each year. The first 5 payments are 1000, the next 5 payments are 2000, the third 5 payments are 3000, and the last 5 payments are 4000. The book value interest rate is 10% and the book value at purchase is 24,594.99. Find the market value immediately after the payment at time 14, using a market interest rate of 8%