Today is January 1, year 1. Vivian is 20 years old today. Vivian is going to put $1000 into her savings account on her 21^st birthday and on every birthday after that for 20 payments (i.e., until her 40^th birthday). She will earn 5%, paid annually. After she makes her final deposit, how much money will be in the account after the bank deposits her interest into the account, i.e., on January 1, year 21, the day she turns 40, after she makes her 20^th payment?