When I was considering what to do with my $10,000 lottery winnings, my broker suggested that I invest half of it in gold, the value of which was growing by 9% per year, and the other half in certificates of deposit (CDs), which were yielding 4% per year, compounded every 6 months. Assuming that these rates are sustained, how much will my investment be worth in 12 years? (Round your answer to the nearest cent.) $ 20412