Find the final amount in the following retirement​ account, in which the rate of return on the account and the regular contribution change over time.

​$1300

per quarter invested at

5.3​%,

compounded​ quarterly, for

12

​years; then

​$1600

per quarter invested at

7.2​%,

compounded​ quarterly, for

16

years.

Find the final amount in the account.