4. WITHOUT the use of the TVM Solver, use an appropriate formula to determine the annual interest rate of an account if the account earns interest monthly and $30,521.57 grows to $34,872.32 in four years. No money is deposited or withdrawn during the four years. Show, in detail, how you arrive at your answer. Show intermediate steps that clearly indicate that you did not use the TVM Solver. (5 points)