Susan Wilson is a sales executive at a Baltimore firm. She is 25 years old and plans to invest $3,800 every year in an IRA account, beginning at the end of this year until she reaches the age of 65. If the IRA investment will earn 8.45 percent annually, how much will she have in 40 years, when she turns 65? (Round factor values to 4 decimal places, e.g. 1.5212 and final answer to 2 decimal places, e.g. 15.25.)