A payment of $6,000 was made into an account at the end of every 3 months for 12 years. a. If the interest rate for the first 3 years was 6.00% compounded monthly, calculate the future value at the end of the first 3 years. b. If the interest rate for the next 9 years was 7.00% compounded annually, calculate the future value at the end of the 12 year term. Round to the nearest cent