Well obviously interest isn't calculated if you put it in the day off
So 96,97,98,99,00,01,02,03,04,05,06,07,08
It does say "total investment be worth by december 2008" so 08 would be included
Like if you let my "A_1 be 2008" then count backwards "A_2 be 2007" then you get "A_13=1996"...