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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.

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. $365 per month invested at 6%, compounded monthly, for 7 years; then $613 per month invested at 7%, compounded monthly, for 7 years.

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