Adriana Grandioso has made beginning-of-year deposits into an investment account for the past 21 years. Each deposit was $5635, and the account earned interest at a rate of 4.8% APR, compounded quarterly, each year. Having made her last deposit one year ago, Adriana now plans to transfer all of the accumulated funds today into a money-market account that earns an APR of 1.80% compounded quarterly. If Ms. Grandioso plans to withdraw $5000 from the account at the end of each quarter for the next 9 years (36 quarters), what will be the account balance total exactly nine years from now, immediately after she makes the last quarterly withdrawal?

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