The pattern that is observed in the universe can be described as:

If we follow the modern cosmological theories of life and from that perspective we observe our surroundings in order to identify patterns, we will soon notice a similar characteristic, "random", but randomness repeated over and over creates a sense of steady structural flow that sometimes might give us the feeling of certainty and permanence but we also know thanks to the theory of evolution that it will gradually change over time, continuously, following a sequential pattern.

Explanation:

9.9 years

a = p(1 + rt) . . account balance after time t at rate r starting with principal p

3000 = 2500(1 + 0.0202t) . . filling in the given numbers

1.2 = 1 + 0.0202t . . divide by 2500

0.2 = 0.0202t . . . subtract 1

0.2/0.0202 = t ≈ 9.901

it will take about 9.9 years for the account balance to reach $3000.