You just won a special lottery which will entitle you to an annual payment $29000 for 19 years, but the first payment won't start until 3 years later (i.e. 1st payment at the end of the 3th year). If you plan to immediately deposit every payment into an annuity product that gives you 6.40% APR with annual compounding, how much is your account balance at the end of the lottery payment plan (i.e. when you receive the last payment)?