John made annual deposits into a savings account account at the end of every year for the past 20 years. Each deposit was $5,000, and the account earned a return of 6% (an effective rate (EAR)) per year. Immediately after his last deposit, Phil now plans to transfer all of the accumulated funds into a money market account that earns an APR of 2.4% compounded monthly. If John plans to withdraw $8,000 from the account at the end of each month for the next 24 months, what will the account balance total exactly two years (i.e., 24 months) from now, immediately after the last monthly withdrawal is made?