A student puts $10,000 in a savings account that pays 16% annual interest, compounded semi-annually and quarterly. Round to the nearest cents.

a) How much money will the student have at the end of 5 years? Ending Value: $

b) How much interest will the student have earned in 5 years? Interest Earned: $

c)What is the effective yield (APY)? APY: %, (written as percent, round to the two decimal place as needed)