Find the final amount in the following retirement account, in which the rate of return on the account and the regular contribution change over time $209 per month invested at 4%, compounded monthly, for 6 years, then $447 per month invested at 7%, compounded monthly, for 6 years What is the amount in the account after 12 years? $ (Do not round until the final answer. Then round to the nearest dollar as needed) T