1. Barbara Walter would like to open a savings account for her daughter. She will invest $5,000 today, $10,000 in one year, and $20,000 in three years. The cash flows are summarized below.

Year 0 - $5,000

Year 1 - $10,000

Year 3 - $20,000

If Barbara can earn a rate of interest equal to 11% rate compounded annually, how much will she have in the account by the end of 5 years? give a good explanation by your own words and make a good calculation