Suppose that you invest $100 in an account for 20 years. This account will credit you 5% annual effective rate of interest for the first 5 years, 5% annual effective rate of discount for the second 5 years, 5% simple rate of interest for the third 5 years and 5% simple rate of discount for the last 5 years. How much money will you have at the end of 20 years?