At the farmers market, Nathaniel buys two dozen oranges at $3.50 per dozen, four kilograms of apples at $3.25 per kilogram, two kilograms of carrots at $1.90 per kilogram, and one kilogram of potatoes for $1.20. He received a 5% discount off his total bill. How much money did Nathaniel spend on fruits and vegetables at the farmers market?