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Sophia invests $100 at the end of each year for 9 years at an annual effective interest rate of 4%. The interest credited at the end of each year is reinvested at an annual effective rate of 5%. The accumulated value at the end of 12 years is $X. Laura invests $100 at the end of each year for 12 years at an annual effective interest rate of 2.5%. The interest credited at the end of each year is reinvested at an annual effective rate of 3.5%. The accumulated value at the end of 12 years is $Y. Calculate XY. Sophia invests $100 at the end of each year for 9 years at an annual effective interest rate of 4%. The interest credited at the end of each year is reinvested at an annual effective rate of 5%. The accumulated value at the end of 12 years is $X. Laura invests $100 at the end of each year for 12 years at an annual effective interest rate of 2.5%. The interest credited at the end of each year is reinvested at an annual effective rate of 3.5%. The accumulated value at the end of 12 years is $Y. Calculate XY