Cecelia Thomas is a sales executive at a Baltimore firm. She is 25 years old and plans to invest $3,400 every year in an IRA account, beginning at the end of this year until she turns 65 years old. If the IRA investment will earn 10.80 percent annually, how much will she have in 40 years, when she turns 65? (Round intermediate calculations to 4 decimal places, e.g. 1.5212 and final answer to 2 decimal places, e.g. 15.25.)