Smith Construction is trying to bring the company-funded portion of its employee retirement fund into compliance with HB-301. The company has already deposited $ 500,000 in each of the last 5 years. If the company increases its deposits beginning in year 6 by 15% per year each year through year 20, how much will be in the fund immediately after the last deposit, provided the fund grows at a rate of 12% per year? Solve using (a) tabulated factors, or (b) a spreadsheet.