Eighteen years ago (in 2004) Kokopelli Inc. issued bonds with a 25-year maturity and a semi- annual coupon rate of 4%. Over the subsequent 6 years market yields continuously rose, so that by 2010 the YTM for such bonds was at 6%. That year, Shairy bought one of these bonds, and she held it for four full years. She placed all received coupon payments into her bank account, which earns 4% compounded semi-annually. She did the same with the proceeds from the sale of the bond. What should the balance in her bank account be by the end of this year (i.e. end of 2022) ?