Adam made annual deposits into an investment account at the end of every year for the past 20 years. Each deposit was $1,888, and the account earned interest at a rate of 4.8% APR, compounded semi-annually, each year. Having made his last deposit only seconds ago, Sam now plans to transfer all of the accumulated funds into a money-market account that earns an APR of 1.8% compounded monthly. If Sam plans to withdraw $1,000 from the account at the end of each month for the next 5 years (60 months), what will be the account balance total exactly five years from now, immediately after the last monthly withdrawal is made?