Starting at the end of this year, you plan to make annual deposits of $7,000 for the next 10 years followed by deposits of $10,000 for the following 10 years. The deposits earn interest of 6.4%. What will the account balance be by the end of 27 years? Round to the nearest cent. [Hint: There are two annuities. Convert them to single cash flows using the FV annuity formula, then move the values to the end of year 27.]