Can someone show step by step on how they got $2,185,828?

Example 12 Sari has decided to invest a portion of her annual savings in a non-retirement account over the next 40 years. Specifically, she will deposit 10,000 at the end of the first year increasing this amount by 6% each year until the end of the 20th year. She will then increase the deposit amount at the end of the 20th year by 3% each year for the remaining 20 years. She expects to earn 10% pre-tax EAR for the first 20 years, and 5% pre-tax EAR for the second 20 years. Her marginal tax rate is 40%. According to her plan, how much money will Sari have in her account at the end of 40 years? [2,185,828