At age 18, someone sets up an IRA (individual retirement account) with an APR of 5%. At the end of each month he deposits $35 in the account. How much will the IRA contain when he retires at age 65? Compare that amount to the total deposits made over the time period. After retirement the IRA will contain $ (Do not round until the final answer. Then round to the nearest cent as needed.) The total deposits made over the time period is $ (Type a whole number.)