Engineer Miranda ended his account in Smart postpaid having of cost of 800PhP for his last bill of statement in September 2021 and paying it by October 19, 2021. He started to avail of the promo in June 2018 and had a monthly payment of 990PhP which was paid on the 19th of the stated month with a wifi modem which has a price of 950PhP being purchased. His teaching journey began dated February 22, 2018, and started receiving his compensation by the end of March. He was offered to have a monthly insurance contribution in January same year upon being hired with his new work. 

a. Assuming that his chosen monthly contribution of 990PhP which must be started at the end of the first month, how much will be the total contribution today if the cost of rate is 5% compounded every month contribution if he began his first payment at the end of the month when he started availing the promo in Smart postpaid? 

b. How much will be the accumulated amount if the contract of insurance started and end at the period when he avails and enjoys the smart postpaid?