31. STRETCHING YOUR SKILLS Janell deposits $2,000 and for 5 years leaves it in an account earning 3% annual interest, compounded quarterly. For 5 years, Jos saves and deposits $150 per quarter in an account earning 3% interest compounded quarterly. Who will have more money in the account after 5 years? How much more?

use the table below to answer:

The final answer is Jose with $901.31 more, but I don't know the working for it.

12.00611 Future Value of Ordinary Annuity Rate Per Period Periods 0.25% 0.50% 0.75% 196 1.50% 2% 2.50% 396 4% 8 8.07035 8.14141 8.21318 8.28567 8.43284 8.58297 8.73612 8.89234 9.21423 10 10.11325 10.22803 10.34434 10.46221 10.70272 10.9497211.20338 11.46388 12 12.16638 12.33556 12.50759 12.68250 13.04121 13.41209 13.79555 14.19203 15.02581 16 16.30353 / 16.61423 16.93228 17.25786 17.93237 18.63929 19.38022 20.15688 20 20.4822020.97912 21.49122 22.01 900 23.12367 24.29737 25.54466 26.87037 29.77808 33.06595 24 24.70282 25.43196 26.18847 26.97346 28.63352 30.42186 32.34904 34.42647 39.08260 44.50200 30 31.11331 32.28002 33.5290 34.78489 37.53868 40.56808 43.90270 47.57542 56.08494 66.43885 40 5% 9.5491 12.57789 15.91713 23.65749 21.8253 42.01320 44.1588546.44648 48.88637 54.2678960.40198 67.40255 75.40126 95.02552 120.7999