Today is January 1, 2015. Starting today you plan to invest $2000 every year, first deposit today and last deposit on January 1, 2034. After that, you plan to leave the money in the same account until January 1, 2040. The interest rate is 4% compounded semi-annually until your last deposit and then it is 6% compounded annually after that. How much money will you have in your account on January 1, 2040? (Show using a financial calculator, step by step)