After graduation, you plan to work for 13 years and then visit Bahamas. You expect to save $2,000 a year for the first 6 years and $3,000 annually for the next 7 years. These savings cash flows will start in one year. In addition, your family has just given you a $8,000 graduation gift. If your gift and all future contributions are put into an account that pays 10% compounded annually, what will your amount when you leave for Bahamas 13 years from now ?