Ramil invested R12 000 into a savings account. He was given an interest rate of 10% per annum compounded quarterly for three years. Two years after the initial investment he deposited a further R5 000 into the savings scheme. The interest rate changed to 10.8% p.a. at the start of the 4th year compounded bi-annually. He kept his money for a further two years at an interest rate of 12% per annum compound interest. Determine the value of the investment after 6 years.