The local church delegates would like to build a community centre for social activitios. The plan is to start with building operations in exactly three years' time. The church community deposits an initial R75 000 into a savings account and adds an extra R75 000 exactly two years later. The initial interest rate is set at 12% per annum compounded monthly but is adjusted eighteen months after the initial deposit to 11.4 per annum continuous compounding. Find the value of the investment when the building operations are due to start