A bank offers the following saving scheme: Invest a fixed amount on the first of the month of each month for a set number of years (2, 3 or 4). On the first of the month after your last installment get your money plus accrued interest. The bank quotes a yearly interest rate, but interest is calculated and compounded on a monthly basis. Three different interest rates are offered depending on the number of years the program is to run.

The following table lists the interest rates offered. Interest Rates For a period of two years 3.3% For a period of three years 3.5% For a period of four years 3.9%

Write a two-argument function DFV(Deposit,Years), that returns the future value of such an investment. Have the function return a zero (0) if the user inputs a negative amount for deposit or a period of years that is outside the offered range.