Your business will pay you distributions of $13,000 in 7 months and another $8,000 in 19 months. If the discount rate is 7% per annum (compounding monthly) for the first 10 months, and 14% per annum (compounding monthly) for the next 9 months, what single amount received today would be equal to the two proposed payments? (answer to nearest whole dollar; do not use $ sign or commas)

thank u!!!