Daniel Damon acquired a bad habit of smoking in high school. Daniel spends approximately $$78$ a month or $$936$ a year on cigarettes. He is not concerned with health issues, but he is keenly aware of financial issues. Show Daniel how much he would have at retirement in $20$ years if he invested $$936$ a year at $5\%$ instead of smoking. $($For calculation purposes, use $5$ decimal places as displayed in the factor table provided. Round answer to $2$ decimal places, e$.$g$.52\mathrm{.}75.)$

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Amount $