a) Mr. Muthu owes a payment of RM 10,000 that due in six years. However, he got another debt of RM 8,000 that due on first year. He wish to make a repayment on fourth year. The interest was given as 9% compounded semi-annually. Find the value of repayment. b) Bank A gives an interest of 8.31% compounded semi-annually, while Bank B offers 8.2\% compounded monthly. Help Sandra to choose which bank should she make an investment