Cathy wants to have $28,000 in cash 5 years from now in order to pay for improvements that must be made to her small office at that time.

Cathy wants to have $28,000 in cash 5 years from now in order to pay for improvements that must be made to her small office at that time. If Cathy finds a savings account that pays annual interest of 4.1% compounded monthly, then how much should she invest right now in the account in order to have the funds in 5 years?