A $15-$year annuity pays $$2,200$ per month, and payments are made at the end of each month. If the APR is $10$ percent compounded

monthly for the first seven years, and APR of $6$ percent compounded monthly thereafter, what is the value of the annuity today?

Note: Do not round intermediate calculations and round your answer to $2$ decimal places, e$.$g$.,32\mathrm{.}16.$

Present value