When Jack started his job working for an industrial manufacturing company, he contributed $375 at the end of each three months into a savings account that earned 2.4 % interest compounded quarterly for 12 years. At the end of the 12th year, Jack was laid off. To help meet family expenses, Jack withdrew $250 from the savings account at the end of each three months for 1 year.

At the end of the year of being unemployed, Jack found another job and started contributing $200 back into the savings account at the end of each three months for the next 10 years. How much money would he have in the account at the end of the 10 years (after returning to work)? You Cannot use the TVM Solver. Show all the necessary work that you need to perform to arrive at the answer.