I am given to Calculate the total amount accumulated at time 35 if

• monthly payments of $205 are made from period 1 to period 30 (except for period 20... see below)
• the payment scheduled for time 20 cannot be made because you used the money of a wedding gift
• the amount accumulated at time 30 is left in the bank while interest continues to accrue until time 35
• interest per period is 4%, compounded every period

Can the answer be rounded to the nearest dollar