The accumulation of interest in an account is governed by the following: (a) a nominal interest rate convertible semiannually of 9% for the first 3 years, (b) a nominal discount rate convertible quarterly of 10% for the following 2 years, (c) effective discount rate of d= 7% for the next 2 years, (d) effective interest rate i = 12% thereafter. Roger makes an initial deposit of $100. He makes no subsequent deposits or withdrawals, and liquidates his account after 10 years. Calculate the amount he is able to withdraw at that time.