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3. Deposits of X at the end of years 1-10 are made into a savings account. The account credits interest at an annual effective rate

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3. Deposits of X at the end of years 1-10 are made into a savings account. The account credits interest at an annual effective rate of 5% for the first five years and at an annual effective rate of 10% thereafter. The accumulated amount in the account at the end of 10 years is 20,000. Find X

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