C\&H Ski Club recently borrowed money and agreed to pay it back with a serles of six annual payments of $18,000 each. C\&H subsequently borrows more money and agrees to pay it back with a series of four annual payments of $12,000 each. The annual interest rate for both loans is 5\%. Find the present value of these two separate annuities. (PV of \$1, FV of S1, PVA of S1, and FVA of S (Use appropriate factor(s) from the tables provided. Round your answers to nearest whole dollar. Round "Table Factor" to 4 decimal places.)