Suppose you open an IRA (individual retirement account) and invest $3,000 a year. The money will be in the fund for 25 years and earn 5 percent annually. Assuming m = 12, how much would be in the account if payments were made at the beginning of each period? (Note: you are still contributing $3,000 annually.) (Ignore the dollar sign in your answer due to Canvas, just place the number.)