3. Find the final amount where the following scenario holds in these retirement accounts in which rate of return on the account and the regular contribution change over time: $400 per month invested at 4%, compounded monthly, for 10 years (account 1); then $600 per month invested at 6%, compounded monthly, for 10 years (account 2). But also, the total amount compound in the first account (account 1) will begin to earn interest at 6% compounded monthly when the second account (account 2 ) also begins