Your business will pay you distributions of $14,000 in 7 months and another $12,000 in 22 months. If the discount rate is 5% per annum (compounding monthly) for the first 10 months, and 12% per annum (compounding monthly) for the next 12 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)