a) Alphonse deposits $20,000 in an account that pays 12% compounded monthly. Two years after that first deposit, he makes deposits of S1,000 per month in the same account for two years. How much money is in the account at the end of the 4 years? b) Alphonse's friend Zelda decided to put S6,000 in her account every 6 months for four years. Her account pays 12% compounded quarterly. How much will Zelda have at the end of four years, and who will have more money, Zelda or Alphonse