4-Joe owns a 10000 saving bond that pays interest monthly at i(12) = 0.06. Upon receipt of a bond interest payment, he immediately deposits it into an account earning interest, payable monthly, at a rate of i(12) = 0.12. Find the accumulated value of this account just after the 12th deposit. In addition, find Joe's average annual yield i(12) based on his initial investment of 10000. Assume that the saving bond may be cashed in at any time for 10000