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Scenario: Lindsay makes an investment of $5,000
in an account that yields 2.25% annual rate of return compounded monthly.

4. Assuming that she makes no additional deposits or withdrawals, what is Lindsay's investment balance after 18 months?

5. After 18 months, Lindsay decides to deposit an additional $6,500 into this account. What will her balance be if she makes no changes for 28 additional months?