Rocky Gibbson made deposits into an investment account at the end of every year for the past 20 years. Each

deposit was $5625, and the account earned interest at a rate of 4.8% APR, compounded semi-annually, each

year. Having made his last deposit only seconds ago, Rocky Gibbson now plans to transfer all of the accumulated funds

into a money-market account that earns an APR of 1.8% compounded quarterly. If Rocky Gibbson plans to withdraw

$9000 from the account at the end of each quarter for the next 5 years (20 quarters), what will be the account

balance total exactly five years from now, immediately after the last quarterly withdrawal is made?