Eddie has been working at Temple for 4 years. He is participating in the 401k plan. His contributions with interest totals $33,000. During that time, Temple has also matched a portion of his contributions, and the Temple contribution totals $20,000. So he has a total of $53,000 in his account. Temple has a graded vesting plan where employees are vested 20% after the completion of a year - and then are fully vested after 5. If Eddie leaves Temple right after he completes his 3rd year - how much of the $53,000 is he vested