(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 5 years (periods 11 through 15) plus an additional amount of $24,000 in the last year (period 15)? Assume an interest rate of 9 percent.

The amount of money you have to deposit today is $ enter your response here. (Round to the nearest cent.)