Linda will make month-end deposits of 4,000 for 6 years staring in one month. She earns an interest rate of 2.0% p.a. compounded monthly for the first 2 years and 9.7% p.a. compounded monthly thereafter. How much will she have in 6 years? Correct your answer to the nearest cent without any units. (Do not use "$" or "," in your answer. e.g. 12345.67).