Ralph made annual deposits into a mutual fund account at the end of every year for the past 30 years. Each deposit was $4,000, and the account earned a return of 8% (an effective rate (EAR)) per year. Ralph now plans to put all of the accumulated funds into a money market account that earns an APR of 4.2% compounded monthly. If Ralph plans to withdraw $10,000 from the account at the end of each month for the next 24 months, what will the account balance total exactly two years (i.e., 24 months) from now, immediately after the last monthly withdrawal is made?