Sue Smith is a beautician who currently leases her shop. She would like to buy her own building as she feels that it could be an investment which would provide a retirement income for her several years from now. To achieve this goal, Sue Smith has decided to save $4,000 a quarter, at the beginning of each quarter, for the next 15 years. She expects to earn 6.0 percent, compounded quarterly, on her savings. How much will she have saved by the end of the 15 years that she can use to buy a building?