[4] You want to make $1000 withdrawals from a savings account as indicated in the cash flow diagram below. However the interest rate fluctuates during the 6 years as you remove your money. Calculate the following (show ALL work for credit): (a) the effective annual interest rate for 9% APR compounded quarterly (b) the effective annual interest rate for 12% APR compounded monthly (c) the value of P (our initial deposit) that will generate the series of $1000 withdrawals in years 2, 4, and 6 over the 6 years