1. What is the future value of a 14-year ordinary annuity with annual payments of $54,000, evaluated at a 8.2 percent interest rate? Round it to two decimal places, and do not include the $ sign, e.g., 123456.54

2. Your credit card says it charges 18.4% APR with daily compounding. What real annual rate are they charging? That is, find the effective annual rate (EAR). Express in percentage but do not include the % sign, and round it to two decimal places, e.g., 9.45 (for .0945 or 9.45%)