Colin plans to deposit $10,000 into an account at the beginning of next month. He will also deposit $200/month into the same account at the end of that month and at the end of each subsequent month for the next 5 years. If his bank pays interest at a rate of 3% per year compounded monthly, how much will Colin have in his account at the end of 5 years? (Assume he makes no withdrawals during the 5-year period.)