An amount of X dollars is placed in an account which caries an annual interest rate of 4.8% compounded quarterly for the first 10 years and an annual discount rate of 4.8% convertible monthly for the next 10 years. The value of this account 20 years after inception is $20000. Find X Take note that the first 10 years use annual interest rate and the last 10 use annual discount rate. Please explain to me the difference between the two.