Kaileika's retirement plan consists of contributing $$123$ at the end of each month into an RRSP$.$ If the plan earns $5\mathrm{.}5\%$ compounded quarterly for the first fourteen years and $6\mathrm{.}5\%$ compounded semiannually thereafter, how much money will be in Kaileika's RRSP at the end of a thirty$-$three year term?

Calculate the following values on the time diagram.

$FV1=$$

$FV=$$