28. What is the effelive annual rate (EAR) of 7.18% p.a., but with daily compounding (assume 365 days per year)? Round your answer to 2 decimal places (for example, record 0.1283684 as 12.84). 29. You expect to deposit the following cash flows at the end of years 1 through 5,$1,000;$4,000;$5,000; $9,000; and $2,000 respectively. What is the future account value at the end of year 6 if you can earn 10% compounded quarterly