Suppose a young couple deposits $600 at the end of each quarter in an account that earns 6.8%, compounded quarterly, for a period of 2 years. After the 2 years, they start a family and find they can contribute only $200 per quarter. If they leave the money from the first 2 years in the account and continue to contribute $200 at the end of each quarter for the next 18 1/2 years, how much will they have in the account (to help with their child's college expenses)? (Round your answer to the nearest cent.)