Julie lives in the country of Snowland. She has:

• a full-time job earning a gross salary of $41,000 per year;
• $39,000 in a 1 year term deposit that will earn interest at the rate of 6% per year; and
• study expenses of $3,000 per year that are an allowable deduction.

What is her assessable income (to the nearest dollar)? Please do not include dollar signs or commas in your answer.