4.) Mary owes $4,000 on her credit card, which charges her a nominal rate of 17.8% per year, compounded monthly. What is the effective rate per year that the credit card company is charging her on the money she owes? (Express your answer as a percentage, and round your answer to two decimal places.) 5.) The management of Dunder-Mifflin Paper Company expects to upgrade their office's computer network in 6 years at an expense of $40,000, so they have decided to set up a sinking fund to finance this expense. If the fund earns interest at the rate of 5.5% per year compounded quarterly, how much should they deposit into the fund each quarter so that they have the $40,000 six years from now