1). Find the final amount in the following retirement account, in which the rate of return on the account and the regular contribution change over time.

$453 per month invested at 4%, compounded monthly, for 6 years; then $650 per month invested at 7%, compounded monthly, for 6 years.

What is the amount in the account after 12 years?

(Round to the nearest dollar as needed.)

2). Find the final amount in the following retirement account, in which the rate of return on the account and the regular contribution change over time.

$1000 per quarter invested at 4.2%, compounded quarterly, for 10 years; then $1900 per quarter invested at 6.1%, compounded quarterly, for 15 years.

Find the final amount in the account.

(Round to the nearest dollar as needed.)