4. (2 points) Interest is paid at the rate of 4% simple interest for the first two years, 5.2% nominal discount compounded quarterly for the next three years, and then followed by a nominal rate of interest of 6% compounded twice every year for the last four years. a) Find the equivalent rate of annual effective interest for this 9 year period. b) Find the time zero value of an investment in this account that accumulated to a time 9 value of $8,000