Joshua wants to structure a $20-$year annuity so that its end$-$of$-$quarter payments are $$2000$ for the first $10$ years and $$2500$ for the

next $10$ years. Pacific Life Insurance Co$.$ offers to sell this annuity with a $4\mathrm{.}8\%$ compounded monthly rate of return to the annuitant.

What amount must Joshua pay to Pacific for the annuity? $($Do not round intermediate calculations and round your final answer to $2$

decimal places.$)$

Present value