You are trying to plan for retirement in 19 years and currently you have $98,000.00 in a savings account and $130,500.00 in stock. In addition you plan on adding to your savings by depositing $5,000.00 per year in your SAVINGS account at the end of each of the next 4 years and then $12,000.00 per year at the end of each year for the final 15 years until retirement. Assuming your savings account returns 4% compounded annually while your investment in stocks will return 1% compounded annually, how much will you have when you retire in 19 years? [Ignore taxes.]