2 The Townhouse Galleries offers credit to its customers at a rate of 11 percent per month. What is the effective annual rate in percent, of this credit offer? Question 3 Steve is considering investing $513 a year for 41 years. How much will this investment be worth at the end of the 41 years if he earns an average annual rate of return of 7.4 percent? Assume Steve invests his first payment of the end of this year. Question 4 Rick is planning to invest the following amounts at 4 percent: $249 at the end of year 1, $774 at the end of year 2, and $1,257 at the end of year 3. How much money will he have saved at the end of year 3