You've been debating on whether to start investing this year into mutual funds or put it

off for a couple of years until you start earning more money. You found a mutual fund that

you like which earns 8% annually. You have two options. You can invest the following

at the end of each year: Year 1, $5000; Year 2, $6,000; Year 3, $6,000, Year 4, $7,000;

Year 5, $7,000. Or you can wait two years invest the following: Years 1 and 2, $0; Years

3 through 5, $11,000. Which option would give you the most money at the end of five years?