You are presented with an investment opportunity that will give you the following stream of cash flows: nothing for the next 3 years; starting at the following year, an amount of $5,000 per year until year 10; and after that year, then an amount of $7,000 per year until year 23. If your required rate of return (APR) is 9% compounded annually, what is the future value at the end of year 23 of these cash flows?

Please include excel formulas.