Assume that Social Security promises you $37,000 per year starting when you retire 45 years from today (the first $37,000 will be paid 45 years from now). If your discount rate is 9%, compounded annually, and you plan to live for 13 years after retiring (so that you will receive a total of 14 payments including the first one), what is the value today of Social Security's promise? The value today of Social Security's promise is $ (Round to the nearest cent.)