A = amount to become = 3205.09 P = principal = beginning amount = 2500 r = 5% = 0.05 n = 4 since compounding is quarterly, 4 times a year. Divide both sides by 2500 Take natural logs of both sides Move the exponent 4t in front of the natural log Solve for t by dividing both sides by 4*ln(1.0125) Round to t=5 years Edwin