Problems 631 A woman deposited $10,000 into an account at her credit union. The money was left on deposit for 80 months. During the first 50 months the woman earned 12% interest, compounded monthly. The credit union then changed its interest policy so that the woman earned 8% interest com- pounded quarterly during the next 30 months. The amount of money in the account at the end of 80 months is nearest to a. $10,000 b. $12,500 5.23 c. $15,000 d. $20,000