A person saved by depositing, at the beginning of the year, $12,500 in a bank that paid 10% annual interest. Immediately after making the fourth deposit, the bank lowered the interest rate to 8%. Then, after making the sixth deposit, the bank raised the interest rate to 12% per year. How much will the saver have at the end of 10 years, if during that time he kept his savings of $12,500 per year constant?