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 4.8% 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