Derek will deposit $5,251.00 per year for 11.00 years into an account that earns 13.00%, The first deposit is made next year. He has $11,619.00 in his account today. How much will be in the account 47.00 years from today?

Derek will deposit $2,189.00 per year for 14.00 years into an account that earns 4.00%. Assuming the first deposit is made 5.00 years from today, how much will be in the account 38.00 years from today?