You will invest in something that will give you a payment of $228 two times each year. You plan to hold on to the investment and hope to sell it for $38014 in 11 years. Investments of this risk should earn 9.78%. How much is it worth today? Round to 2 decimal places. Include a dollar sign ($) or percent (%) as appropriate. (hint: There is both an annuity (the semi-annual payments) and a lump sum (the selling price). Find the present value of each and add them together.)