2. A housewife makes deposits into a fund at the end of each year for 20 years. She deposits RM1000 annually for the first 10 years and RM(1000+M) for the next 10 years. The fund earns interest at an effective rate of 4%. The amount of the fund at the end of 20 years is RM 50000. a) find the value M. b) if the housewife decides to keep the RM50000 in the same fund, how many years will she have to wait to earn interest of RM24000