Kelly owned a $400,000 whole life policy on her own life with a CSV of $120,000. She took an $80,000 policy loan to use as the down payment for a cottage, and the loan's interest rate is 5%, compounded annually. Two years later, she had made the decided to surrender the policy. At that time, the CSV had increased to $130,000 and she still had not made any payments on the loan. The accrued interest on the Loan was $14,000. If Kelly died instead of surrendering the policy, her beneficiary would have received how much ? Please round your answer to the nearest dollar, and do not use any symbols (i.e.: dollar sign, comma, or a decimal in your answer). For example: if your answer is $1,820.50 then it should be input as 1821