3) $16,000 is deposited into an account earning 3% effective annual interest. At the end of each year the interest earned in that year plus an additional $400 is withdrawn from this account and put into another account earning 4% effective annual interest. Find the accumulated value in the second account after 40 years (when the first account is completely depleted.) Also, fill in the following table (or, redraw the table on your solution sheet being handed in and fill it in) Year 40 Amount in 1at accionant Amount deposited into 2ad account