Assume on January 1, 2015 you opened a fixed deposit account with a local bank and between January 1, 2015 and January 1, 2020 you made the following deposits and withdrawals: Date Deposits Withdrawals 5,000 0 0 4,000 0 8,000 January 1, 2015 January 1, 2016 January 1, 2017 January 1, 2018 January 2019 January 1, 2020 0 0 0 2,000 0 0 Assume an interest rate of r= 19% compounded annually. (a) Describe the cash flow stream; (No need to key-in here.) (b) What is the value in your account at the beginning of year 2021? (Keep your answer to 2 decimal places, e.g. 987.12)