10. If you invest $1,000 at the end of each year for the next 12 years and earn 14% bet year, how much would you have at the end of 12 years? ( 1 point). 11. Suppose an account earns 7.5% annually compounded monthly. What is the effective interest rate? ( 2 point) 12. If a person borrows $25,000 for five years at an interest rate of 4.99% compounded monthly and makes equal monthly payments, what is the monthly payment? (Ipoint)