
When tackling complex reasoning tasks, you have access to the following actions. Use them as needed to progress through your thought process.

[ASSESS]

[ADVANCE]

[VERIFY]

[SIMPLIFY]

[SYNTHESIZE]

[PIVOT]

[OUTPUT]

You should strictly follow the format below:

[ACTION NAME]

# Your action step 1

# Your action step 2

# Your action step 3

...

Next action: [NEXT ACTION NAME]


system

Lena receives 50,000 rubles per month and spends 45,000 rubles per month. She receives her salary on the 6th of each month. Lena has: a bank deposit $\mathrm{X}$ at $1\%$ per month with monthly capitalization and no withdrawal option, with the possibility of replenishment, settlement day - the 6th of each month; a debit card, which receives interest at $8\%$ per annum on the minimum balance during the month, credited on the 6th of each month; a credit card with debt repayment on the 7th of each month and a limit of 100,000 rubles, with a fee of $3\%$ of the amount for cash withdrawals or transfers.

Lena can pay for all her expenses using her bank card. Describe Lena's optimal strategy and calculate the annual income she can earn from her cooperation with the bank (in rubles).

Present the answer in LaTex format: \boxed{Your answer}
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