Suzanne opens an account at a local bank on January 1, 2004 with a deposit of 3860 dollars. On October 1, 2004 she withdraws 1850 dollars. On April 1, 2005 she withdraws 720 dollars. And on April 1, 2007 she deposits 2020 dollars. Find the total present value of these transactions on July 1, 2006, if the account earns interest at a nominal rate of 8.4 percent convertible quarterly.