Fred works for a company with a 401(k) matching program. Vesting in the company's contributions to Fred's 401(k) occurs gradually: he is 0% vested in the first year, and after each year of service his vesting percentage increases by 25%. Now that Fred has worked for the company for 2 years and 10 months, he is considering moving to a different employer. The company's 401(k) contributions and earnings have grown to $10,725. How much of that money is his to keep if he leaves the company now