A payment of $7,500 was made every 3 months for 12 years into an account. The account earned 6% interest compounded monthly for the first 5 years. The account then earned 5% interest compounded annually for the next 7 years. The document asks to calculate the future value of the account at the end of the first 5 years and at the end of the full 12 year term, rounded to the nearest cent.