Future Value of Annuity.Kirk can take his $1 comma 000 income tax refund and invest it in a 36-month certificate of deposit at 7 %, compounded monthly, or he can use the money to purchase a home entertainment system and put $30 a month in a bank savings account that will pay him 7% annual interest. Which choice will give him more money at the end of three years? After depositing his income tax refund, at the end of three years Kirk will have $ nothing