I am getting different answers, i must be doing something wrong, can u help, thank u for ur time

You need to have $30,500 in 7 years. You can earn an annual interest rate of 5 percent for the first 4 years, and 5.6 percent for the next 3 years. How much do you have to deposit today? Multiple Choice $20,063.76 O $19,206.44 $20,828.23 $21,308.40 $21,675.78