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. $260 per month invested at 4%, compounded monthly, for 4 years; then $697 per month invested at 6%, compounded monthly, for 4 years. What is the amount in the account after 8 years? (Do not round until the final answer. Then round to the nearest dollar as needed.)