You are contemplating between four possible interest rate structures. The rates are as follows:

1. annual effective rate of 12%

2. annual nominal rate of 12% compounded monthly

3. annual nominal rate of 8% compounded quarterly

4. annual nominal rate of 10% compounded semiannually

You wish to deposit $1,000 into a fund for 2 years. Calculate the difference between the largest and smallest possible accumulated values of your deposit at the end of 2 years.