its financial mathematics, could you help me with those two? thank you!

You deposit $1000 into an account that pays 4% annual effective interest for 10 years. At the end of 10 years, you add another $10000 to the accumulated balance and reinvest the total amount into an account that pays a nominal annual interest rate of 5% compounded semi-annually for another 10 years. Compute the accumulated amount at the end of 20 years. Determine di(3)di(2). State the final answer in terms of