You have just deposited $35,000 into a retirement account. You expect to make monthly deposits of $350 into this account over the next 40 years. For the first 25 year, you plan to pursue an aggressive investment approach, with an average annual rate of return of 12%. After that, you plan to become more conservative, and earn an annual rate of return of 6% for the remaining 15 years. How much money will you have in your account when you retire 40 years from now?