Eugene began to save for his retirement at age 32, and for 12 years he put $ 200 per month into an ordinary annuity at an annual interest rate of 7% compounded monthly. After the 12 years, Eugene was unable to make the monthly contribution of $ 200, so he moved the money from the annuity into another account that earned 11% interest compounded monthly. He left the money in this account for 21 years until he was ready to retire. How much money did he have for retirement?