Find the final amount in the following retirement account, in which the rate of return on the account and the regular contribution change over time, $517 per month invested at 4%, compounded monthly, for 5 years; then $705 per month invested at 7%, compounded monthly, for 5 years. What is the amount in the account after 10 years? (Do not round until the final answer. Then round to the nearest dollar as needed.)