Mark Welsch deposits $8,000 in an account that earns interest at an annual rate of 4%, compounded quarterly. The $8,000 plus earned interest must remain in the account 3 years before it can be withdrawn. How much money will be in the account at the end of 3 years? (PV of $1, FV of $1, PVA of $1, and FVA of $1) Note: Use appropriate factor(s) from the tables provided. Round "Table Factor" to 4 decimal places. Show math and formula used please.