A small business owner visits her bank to ask for a loan. The owner states that she can repay a loan at $2,800 per month for the next three years and then $5,600 per month for two years after that. If the bank is charging customers 9.50 percent APR, how much would it be willing to lend the business owner? Note: Do not round intermediate calculations and round your final answer to 2 decimal places. Present value