Marika has already accumulated $18,000 in her RRSP. If she contributes $2000 at the end of every six months for the next 10 years, and $300 at the end of each month for the subsequent five years, what amount will she have in her plan at the end of the 15 years? Assume that her plan will earn 3% compounded semiannually for the first 10 years, and 3% compounded monthly for the subsequent 5 years.