For the mixed stream of cash flows shown in the following table, determine the future value at the end of the final year if deposits are made into an account paying annual interest of 15%, assuming that no withdrawals are made during the period and that the deposits are made:

a. At the end of each year.

b. At the beginning of each year.

Year	Cash flow stream
1	$37,200
2	$31,000
3	$24,800
4	$12,400
5	$6,200