Suppose you will receive $13,000 in 7 months and another $11,000 in 23 months. If the discount rate is 7% per annum (compounding monthly) for the first 10 months, and 9% per annum (compounding monthly) for the next 13 months, what single amount received today would be equal to the two proposed payments? (answer to the nearest whole dollar; dont include the $ sign or commas)