Please:DONOT using EXCEL TABLES to answer, please use clearly formulas to answer. Thank you :)

Dr. Julia Ogden saves money for her retirement. Starting January 1900, she deposits a certain amount at the end of each month into a savings account earning an effective monthly interest rate of 0.75%. In the first year, she deposits $10 every month. In every subsequent year, she increases the amount of her monthly deposit by 5%. Find what the balance of Dr. Ogden's account will be on December 31, 1923 after she made her monthly deposit. Hint: 1. For how many years has Dr. Ogden been making deposits? The answer is not 23. 2. Recall the discussion in class about an-bnYou may need it.]