Determine the amount of money in a savings account at the end of 1 year, given an initial deposit of $12,000 and an annual interest rate of 4 percent when interest is compounded: Use Appendix A for an approximate answer, but calculate your final answer using the formula and financial calculator methods. (Do not round intermediate calculations. Round your final answers to 2 decimal places.)

	Future value
a. Annually	$
b. Semiannually	$
c. Quarterly	$