1. You have a new investment fund with a monthly interest rate of 1.25%. Any money you invest would have to be left in it for at least 3 years if you want to withdraw it with no penalty. What are the nominal and annual effective interest rates? If you deposit $7,000 in the investment fund today, how much will it return in 3 years? 2. A UNO student wants to celebrate graduating and getting a job by spending $5,000 on a trip to Bali with his wife. He applies for and subsequently gets a vacation loan" of $4,000 from UNO FCU. The bank offers an interest rate of 11% per year and the loan must be repaid in 5 equal annual payments. Construct his loan amortization schedule