Dominique has just turned 65 and she has deposited her annual payment of $20,000 into her retirement account. She made her first such saving deposit into this fund on her 35th birthday. Dominique has also retired and wants to figure out how much money she has in her retirement account for her retired life. How much is Dominique's savings worth today given that the earned an annual return of 5.5% until just after she made the 15th payment and 6% since then (rounding to the nearest dollar)?