an explanation with the answer would be wonderful

Starting at the end of this year, you plan to make annual deposits of $4,000 for the next 10 years (years 1 through 10) followed by deposits of $14,000 for the following 10 years (years 11 through 201. The deposits earn interest of 4.0%. What will the account balance be by the end of 35 years? Round to the nearest cent. (Hint: There are two annuities. Convert them to single cash flows using the FV annuity formula, then move the values to the end of year 35.1 Type your numeric answer and submit 48024.43 I You are incorrect Hint X Once you convert the annuities to their single cash flow equivalents using the FV annuity formula, you can then use Equation 2.1 to move those values separately to the end of the timeline and sum them up. Be careful with how many years they need to be compounded