An investor pays into a savings plan at the beginning of each year an amount of 2584 for the first 7 years followed by 3292 at the end of each year up until year 16 (inclusive).

Assuming that the investment accumulates compoundly at an effective rate of interest of 3.8% pa and that no withdrawals are made, calculate the total amount in the savings plan at t=22 years? Express your answer in s to 2 decimal places.