A man deposits $15,000 at the beginning of each year for 18 years in an account paying 7% compounded annually. He then puts the total amount on deposit in another account paying 9% compounded semiannually for another 12 years. Find the final amount on deposit after the entire 30-year period. He will have a final amount of safter the entire 30-year period. (Simplify your answer. Round to the nearest cent as needed.)