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In December 2017, a DUI accident resulted in Vinnie liable for substantial payment to the victims. Although he denies being intoxicated, he agreed to make payments starting in January 2018 for the next 14 years. He will be required to pay $6,000 every 6 months (January 1 and July 1). Vinnie has decided to purchase an annuity contract that promises to make the required payments for him. The interest rate on the contract is 6\% per year, compounded semiannually. How much must vinnie invest in the contract if he purchases it on January 1, 2018