Calculate the total accumulated value four years from now of $5,000 invested today and $ 5,5000 invested two years later, implied by the table of current spot rate: 1 year, 2.60 %; 2 year, 3.40 %; 3 year, 3.70 %; 4 year, 4.40 %; 5 year, 4.80%. Explain it please.