Suppose that you put $3,000 per year in a Roth IRA (Individual Retirement Account) at the end of each year. You plan to leave these contributions and any interest and dividends earned in the account (and will reinvest in the bonds and stocks that you hold in this IRA). Suppose that your investments earn 4.3% per year, compounded annually. What will your Roth account balance be at the end of 22 years?