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. $486 per month invested at 4%, compounded monthly, for 5 years; then $641 per month invested at 6%, 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.)