Today is Jan.1, 2019. Starting today you plan to invest $3000 every year, first deposit today and last deposit on Jan. 1, 2040. After that, you plan to leave the money in the same account until Jan. 1, 2060. However, the interest rate is 8% compounded quarterly until your last deposit and only 6% compounded annually after that. How much money will you have in your account on Jan. 1, 2060?

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