Melody made contributions to a Roth IRA over the course of 38 working years. Her contributions averaged $3,250 annually. Melody was in the 28% tax bracket during her working years. The average annual rate of return on the account was 7.5%. Upon retirement, Melody stopped working and making Roth IRA contributions. Instead, she started living on withdrawals from the retirement account. At this point, Melody dropped into the 25% tax bracket. Factoring in taxes, what is the effective value of Melody's Roth IRA at retirement? Assume annual compounding.