3. Mr. and Mrs. Popov both want to go back to college, but they can't afford go at the same time. So each agrees to help pay the other's tuition over the next two years. Right now Mr. Popov will give his wife $1000 to finish her B.A.; next year when she is working, she will pay him $2150 so he can get his M.A.; then in two years he will pay her $1155 so she can get her M.S. Write the equation of value from Mr. Popov's perspective, and calculate the effective interest rate he earns. Show that there are actually two interest rates