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. $1100 per quarter invested at 5.3%, compounded quarterly, for 14 years; then $1600 per quarter invested at 5.5%, compounded quarterly, for 15 years. Find the final amount in the account $ (Do not round until the final answer. Then round to the nearest dollar as needed.)