(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 years (penods 11 through 15) plus an addifional amount of $24,000 in the last year (penod 15)? Assume an interest rate of 12 percent The amount of money you have to deposit today is s (Round to the nearest cent)