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A person deposits $200 into an account today and $300 into an account 15 years later. The account is credited a nominal discount rate of

A person deposits $200 into an account today and $300 into an account 15 years later. The account is credited a nominal discount rate of d, compounded monthly for the first 5 years and a nominal interest rate of 4%, compounded quarterly thereafter. After 20 years the account is worth $832.84. Find d.

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