A man deposits $16,000 at the beginning of each year for 16 years in an account paying 5% compounded annually. He then puts the total amount an deposit in another account paying 7% compounded semiannually for another 10 years. Find the final amount on doposit after the entire 26 -year period. He will have a final amount of $ afler the entire 26 -year period. (Simplify your answer. Round to the nearest cent as needed.)