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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.

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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. $294 per month invested at 5%, compounded monthly, for 6 years; then $561 per month invested at 7%, compounded monthly, for 6 years. What is the amount in the account after 12 years? $

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