C8H Ski Club recently borrowed money and agreed to pay it back with a series of six annual payments of $12,000 each. CBH subsequently borrows more money and agrees to pay it back with a series of four annual payments of $14,000 each. The annual interest rate for both loans is 8%. Find the present value of these two separate annuities. (PV of \$1, EV of S1, PVA of S1, and FVA of S1) (Use appropriate factor(s) from the tables provided. Round your answers to nearest whole dollar. Round "Tabie Factor" to 4 decimal places.)