Suppose a person is saving for retirement and begins depositing money into an account in the following way. At the end of each month for the first 5 years (60 payments), they deposit $500 per month. For the next 10 years (120 payments), they deposit $900 a month (at the end of each month). For the next 25 years (300 payments), they deposit $1200 a month (at the end of each month). Immediately after the last payment is made, they retire. If the account earns a nominal annual rate of interest of 4.8% compounded monthly (i.e 0.4% effective monthly) What is the amount they have at retirement