5. Sarah received a ten-year annuity. It paid $y at the end of each month for the first four years, and then $2Y at the end of each quarter for the remaining six years. The annuual effective rate of interest was i for the first four years and for the following six years. (a) Sketch a timeline indicating the pattern of payments clearly (b) Express AV, the accumulated value at the time of the last payment using annuity symbols. (c) Compute Y if the accumulated value of the annuity at the time of the last payment was $240,000 and i = 5.5% and j = 3.75%