An insurance company is offering a new policy to its customers. Typically, the policy is bought by a parent or grandparent for a child at the child$$s birth. The details of the policy are as follows: The purchaser $($say$,$ the parent$)$ makes the following six payments to the insurance company:

First birthday: $ $820$

Second birthday: $ $820$

Third birthday: $ $920$

Fourth birthday: $ $920$

Fifth birthday: $ $1,020$

Sixth birthday: $ $1,020$

After the child$$s sixth birthday, no more payments are made. When the child reaches age $65,$ he or she receives $$115,000.$

If the relevant interest rate is $9$ percent for the first six years and $5$ percent for all subsequent years, what is the value of the policy at the child's $65$th birthday?