Simi deposits $1000 at the end of each year for 5 years, and then $3000 at the end of each year for 7 more years. She then does not make any deposits for the next two years. What is the accumulated value of all the deposits at the end of 14 years? The interest rate is 3% compounded annually for the first 4 years and then 4% compounded annually for the next 9 years and 5% compounded monthly in the last year