A loan will be repaid by month-end repayments of 9,000 for 10 years. The interest rate is 2.4% p.a. compounded monthly for the first 6 years and 8.2% p.a. compounded monthly thereafter. How much is the loan? Correct your answer to the nearest cent without any units. (Do not use "$" or "," in your answer. e.g. 12345.67)