The Carlile family wants to begin savings for their child's college. They begin contributing $4000 per year at the end of this year. They will continue contributing to the account until their daughter goes to college in 12 years. However, the Carliles fell on some bad financial luck in year 5, and only year 5, and are not able to make the usual $4000 contribution. Using an interest rate of 4.00%, how much will they have accumulated in their child's college fund at the end of 12 years?