Suzy wishes to accumulate a retirement fund. She will make ten

annual payments of $$10,000$ each, beginning today. Beginning one

year after the date of the final payment, she expects to make

annual withdrawals. Suzy earns interest at a $5\%$ nominal annual

interest rate compounded quarterly as long as her balance is less

than $$50,000,$ and at a $7\%$ nominal annual interest rate compounded

quarterly on the entire fund whenever her balance exceeds $$50,000.$

Determine the amount in Suzy$$s account immediately prior to her

making her first annual withdrawal.