An insurance company accepts an obligation to pay $10,000 at the end of each year for 2 years. The insurance company purchases a combination of the following two bonds at a total cost of $X in order to exactly match its obligation: 1-year 4% annual coupon bond with a yield rate of 5%. 2-year 6% annual coupon bond with a yield rate of 5%. Compute X. (Answer: 18,594)