11. You deposit 200 into an account at the beginning of each year for 15 years. After the beginning of the 15th year (t 14), you do not make any more deposits or withdrawals from the account. If the annual effective rate of interest is 3%, what is the smallest integer N such that the account balance exceeds 5000 at time t=N? (A) 23 (B) 24 (C) 25 (D) 26 (E) 27 12. At an effective annual rate of interest of 4%, a 50-year continuous annuity pays 10 per year for the first 20 years and 20 per year for the last 30 years. Find the accumulated value of this annuity at the end of 50 years. (A) 1900 (B) 2029 (C) 2129 (D) 2329 (E) 2528