A company just decided to save $5,500 a month for the next 6 years as a safety net for recessionary periods. The money will be set aside in a separate savings account which pays 4.5 % interest compounded monthly. The first deposit will be made today. What would todays deposit amount have to be if the firm opted for one lump sum deposit today that would yield the same amount of savings as the monthly deposits after 6 years?