The XYZ corporation pension plan provides a lifetime annual income to its employees upon retirement at age 65. The plan provides 3% for each year of service of the employee's salary upon retirement. Moreover, those retiring after 65 have their benefit increased by 1.2% for each year beyond 65 that they work. Caitlin retires at age 75 with 19 years of service. If her salary upon retirement is $51,303, what is her annual pension benefit?