You have a growing payment stream that you want to be able to fully fund by making a single deposit today. The first payment occurs immediately and is $20,000. Each succeeding payment will be 7% higher than the prior payment, and there will be 13 total payments, each one year apart. What is the amount you have to deposit today to fully fund this payment stream if the discount rate is 7% per year? The deposit you need to make is $ (Round to the nearest dollar.)