13. In how many years will $3500 grow to $10440 at 8% compounded semi-annually? 14. Cash flow from assets is best described as: 12. A deposit of $5500 earns interest at 7% p.a. compounded monthly for four years. At that time, the interest rate changes to 9% p.a. compounded quarterly. What is the value of the deposit three years after the change in the rate of the interest? 13. In how many years will $3500 grow to $10440 at 8% compounded semi-annually