9. Money accumulates in a fund at an effective annual interest rate of i during the first 3 years, and at an effective annual interest rate of 2i thereafter. A deposit of 1 is made into the fund at time 0. It accumulates to 30.93 at the end of 18 years and to 245.16 at the end of 28 years. What is the value of the deposit . at the end of 12 years