An insurer needs to make the following annuity payments into a pension fund:

2194 paid at the end of each year for the first 13 years and then

2034 paid at the end of each year for the following 10 years.

Excluding any further investments, calculate the total amount accumulated in the fund by the end of year 35, given that the effective rate of interest is:

4.3% pa for the first 9 years and then

5.7% pa thereafter.

Express your answer in s to 2 decimal places.