Suppose you want to buy a house in Kuala Lumpur within four years, and you are currently saving for the down payment. Considering your current financial position, you expect to save RM6,000 at the end of the first year, and you forecast that your saving will rise by 8% annually thereafter. If your expected annual return is 6%, how much will be your total saving for the down payment at the end of 3^rd year?