C\&H Ski Club recently borrowed money and agreed to pay it back with a series of six annual payments of $15,000 each. C\&H subsequently borrows more money and agrees to pay it back with a series of four annual payments of $7,000 each. The annual interest rate for both loans is 7%. Find the present value of these two separate annuities. (PV of $1,FV of $1, PVA of $1, and FVA of \$1) (Use appropriate factor(s) from the tables provided. Round your answers to nearest whole dollar. Round "Table Factor" to 4 decimal places.)