You are looking at investing in a new investment product which will generate cash flows of $4,000 next year and the cash flows will grow by 12% per year. You will receive payments for the following 6 years (a total of 6 payments including the first payment of $4,000 next year). If the appropriate discount rate to evaluate the product is 10%, how much is the investment product worth to you today? (please round your answer to the nearest dollar - please do not include commas in your answer)