Today is the first day of the year. Randy is planning to take a two-year break from work and travel round the world. She hopes to be able do this at the end of four years from today. To prepare for this, she decided to deposit $10,000 at the beginning of each month (with the first deposit starting now), for the next four years. How much money will Randy have at the end of four years if she can earn an interest rate of 9.6 percent per year, compounded monthly on her savings?