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Zoe started investing $700 at the end of every month into an RRSP that has an interest rate of 4% compounded semi-annually. Three years later,

Zoe started investing $700 at the end of every month into an RRSP that has an interest rate of 4% compounded semi-annually. Three years later, the interest rate on her RRSP increased to 5% compounded monthly and remained the same thereafter. What is the accumulated value of the RRSP after seven years?

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