Deposits of $500 are made at the end of each month for a period of 3 years (36 payments). At the end of the first month of the 4th year (37th month), the size of the payment is increased by $100 each month (so the 37th payment would be $1100, the 38th payment would be $1200, ... 72nd payment would be $4600). There are a total of 72 payments. If the account earns a nominal annual rate of interest of 4.8%, compounded monthly, what is the present value of the annuity