A couple want to save for their daughters university studies in 10 years. Their daughter, Susan, will study for 4 years with 1 term for each half year. Susan will need $18,000 at the beginning of each term for 1 term. The couple plan to deposit a fixed amount at the end of each year for 10 years. How much money must the couple have accumulated, in 2 decimal places, at the end of 10 years to support Susans 4-year university studies over a period when the interest rate is 7% per annum compounded semi-annually?