The Macintosh Company has an employee savings plan that allows every employee to invest up to 5% of his or her annual salary. The money is invested in company common stock with the company guaranteeing that the annual return will never be less than 8%. Jill was hired at an annual salary of $52,000. She immediately joined the savings plan investing the full 5% of her salary each year. If Jill's salary increases at an 8% uniform rate, and she continues to invest 5% of it each year, what amount of money is she guaranteed to have at the end of 20 years?