Jim began saving money for his retirement by making monthly deposits of $200 into a fund earning 6% interest, compounded monthly. The first deposit occurred on January 1, 1985. Jim became unemployed and missed making deposits 60 through 72. He then continued making monthly deposits of $200. How much did Jim accumulate in his fund on December 31, 1999?

PLEASE EXPLAIN WHY YOU USED THE FORMULAS YOU ARE GOING TO USE, WHAT TYPE OF PROBLEM THIS IS, WHAT IS THE GOAL, AND GRAPH THE PROBLEM