You deposit 100 in an account. The effective yearly interest is described below: i) The first years 9, the effective yearly interest is 3X%. ii) From year 10 to year 13, the effective yearly interest is 2X%. iii) From year 14 to year 20, the effective yearly interest is X%. At the end of each year, you reinvest the interest produced by the account above into a second account at an effective yearly interest rate of 4%. The accumulated value in the two accounts at the end of year 20 is 487. Find X.