Find the future value in 7 years of the following cash flows: 4,000 in 2 years and 7,000 in 4 years. The interest rate is 8.2% p.a. compounded monthly for the first 5 years and 6.0% p.a. compounded half-yearly thereafter. (Correct your answer to the nearest cent without any unit (No need to put "$"). Do not use "," in your answer. e.g. 123456.78))