Your business will pay you distributions of $15,000 in 10 months and another $14,000 in 20 months. If the discount rate is 6% per annum (compounding monthly) for the first 13 months, and 11% per annum (compounding monthly) for the next 7 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)