Imagine you set aside dollars at the start of each month into a savings account that offers a monthly interest rate of , where is the annual interest rate divided by (for example, if the annual rate is , then ). After the first month, your savings include your initial deposit plus the next deposit with interest applied, totaling . Extending this pattern, the total amount in your account after months is . Find the total amount in your savings account after years ( months) if you deposit each month and the monthly interest rate is .