C\&H Ski Club recently borrowed money and agreed to pay it back with a series of six annual payments of $8,000 each. C\&H subsequently borrows more money and agrees to pay it back with a serles of four annual payments of $22,000 each. The annual interest rate for both loans is 6%. Find the present value of these two separate annuities. (PV of S1. EV of \$1, PVA of \$1, and FVA of \$ (Use oppropriate factor(s) from the tables provided. Round your answers to nearest whole dollar. Round "Toble Factor" to 4 decimol places.)