Sarah Kavenna's luxurious home in Georgetown, a neighborhood in Washington, DC, was recently gutted in a fire. Her living and dining rooms were destroyed completely, and the damaged personal property had a replacement price of $45,000. The average age of the damaged personal property was 4 years, and its useful life was estimated to be 18 years. What is the maximum amount the insurance company would pay Sarah, assuming that it reimburses losses on an actual cash-value basis? Round the answer to the nearest cent.