Today is your 20th birthday. Your parents just gave you $5000 that you plan to use to open a stock brokerage account. Your plain is to add $3000 on your 21st birthday, followed by $4,000 on your 22nd birthday, and $5,000 on your 23rd birtday. How much money do you anticipate that you will have on your 25th birthday, if your account earns 12% interest compounded monthlty?