A recently married couple hopes to be first-time home buyers in 5 years. Based on their desired neighborhood they estimate they will need $22,000 for a down payment. How much money does the couple need to have today at an account earning 4.6% per year in order for that amount to grow to the estimated down payment? Note: Enter your answer rounded to the nearest dollar. For example, if the estimated amount is $15,375.80 enter it as: 15,376 or 15376.