You want to start saving money each year by putting $3,000 per year at the end of the year each year in your bank account. After three years, you need to withdraw $1,500 to pay for repairs to your car. In years four through seven, your income goes up and you put $4,000 per year in your account each year at the end of each year. At the beginning of year six, you need to withdraw $750 to pay for medical expenses. In year eight, at the end of the year, you use the money for a down payment on your first home. Assuming your savings account paid you 5% interest compounded daily in years one through five, 4.75% interest compounded daily in years six through seven, and 3.5% interest compounded daily in year eight, how much money will you have for a down payment?