You establish an Individual Retirement Account (IRA) with an interest rate of 6.2%, compounded annually. You plan to deposit $3200 at the end of each year for a total of 42 years. However, you only deposit $946 at the end of year 6. If you deposit $3200 in the other 30 years (i.e., years 1-5 and years 7-31), how much do you have in the IRA at the end of 42 years