(d) Deposits are made at the beginning of each year for 25 years to an account that earns a 5% annual effective interest rate. The initial deposit (at time 0) is $1,000. Starting with the 2nd deposit and continuing through the 10th deposit, the amount of each deposit is $500 larger than the previous one. Then in the 11th through 15th years, each deposit is $200 smaller than the previous deposit. After 15 years, each of the remaining deposits is 6% smaller than the preceding deposit. Find the account balance at the end of 25 years. [7]