The Workers' Compensation Board has determined that an injury in the workplace was your company's responsibility. As a result, your company has been ordered to pay the employee $3,000 at the end of every month for the next four years. Your human resource manager wants to set up an annuity to fund this obligation. If the proposed annuity can earn 5.7% compounded monthly for the first two-and-a-half years and then 6% compounded quarterly for the remaining one-and-a-half years, how much money should your company set aside today to meet its responsibilities?