Your client's 401K account has an initial balance of $5,600 and has monthly contributions of $100. It earns 5% annual interest, compounded monthly, for 36 years. At the age of retirement, your client will "annuitize" their 401K balance and take monthly payments for 26 years. Their investments during retirement will earn 3% per year, with monthly compounding. Inflation is 3.3% annually. What is the value of your client's monthly payments in real dollars?