Danny wants to save some money using the following schedule. Starting today, he will make $100 deposits at the beginning of each month for the next two-and-a-half years into his bank account. After two-and-a-half years, he will make $200 deposits at the beginning of each month for one year into his bank account. For the first two-and-a-half years, the interest on the debt is 9% compounded monthly. For the final year, the interest is lowered to 8.5% compounded monthly. Determine the size of Danny's saving after 3.5 years. (Hint: Timeline really helps.)