(Present value of complex cash flows) How much do you have to deposit today so that beginning 11 years from now you can withdraw $12,000 a year for the next 6 years (periods 11 through 16) plus an additional amount of $24,000 in the last year (period 16)? Assume an interest rate of 7 percent. The amount of money you have to deposit today is $ (Round to the nearest cent.)