6. You have identified a financial institution that pays 6% interest annually on savings accounts. If you would like to have $10,000 in your savings account at the end of 4 years, how much should you deposit today? Diagram the cash flows; solve both mathematically and using the compound interest tables; prove your solution is correct by taking your answer and working backwards; using your solution, construct a table that includes balances, and interest, and explain your solution. (10 pts) 7. Your credit card company charges 1.5% interest each month on the unpaid balance (5 pts). a. What is the nominal annual interest rate being charged? b. What is the annual effective interest rate