$2000 is deposited into Fund X at the beginning of each year for 10 years, which earns an annual effective rete of 5%. At the end of each of the first 10 years, the interest earned is withdrawn from the fund and deposited into Fund Y, which earns an annual effective rate of 7.5%. At the end of each year, beginning in year 11, the interest earned from fund X and an additional $2000 will be withdrawn from fund X and deposited into fund Y until fund X is depleted at the end of year 20. Determine the accumulated value of Fund Y at the end of year 20. (note: account X will have no money left at the end of year 20 as it will have all been transferred to account Y)