After graduation, you plan to work for Ithaca Corp for 10 years and then start your own business. You expect to save $5,000 a year for the first 5 years and $10,000 annually for the following 5 years, with the first deposit being made a year from today. In addition, you just received a $15,000 graduation gift which you will deposit immediately. If the account earns 8% compounded annually, how much will you have when you start your business 10 years from now?