Suppose that you have a money market certificate earning an annual rate of interest, which varies over time as follows:

Year k	1	2	3	4	5
ik	6%	4%	3%	3%	5%

If you invest

$12,000

in this certificate at the beginning of year one and do not add or withdraw any money for five years, what is the value of the certificate at the end of the fifth year?

This is a engineering economics question. thanks for all the help