Q1: An investor is considering depositing $21,000 in an account earning 6% compounded quarterly for the next three years. Afterwards, he will take this amount and contribute $210 quarterly for the next four years at a rate of 4% compounded semi-annually. Finally, over the next two years, he will withdraw $1,200 annually at a rate of 3.5% compounded monthly. Determine the future value at the end of this time period. (Show each step: ie., PV, N, I/Y, PMT and FV, time line is not necessary)