A woman deposited $$27,800$ into an account at an institution that provides high returns.

The money was deposited for $12$ years. During the first $5$ years the woman earned $36\%$ interest

per year compounded monthly. The institution then changed its interest policy; as a result, after

the first $5$ years, the woman earned $9\%$ interest per year compounded semi$-$annually for the next

$7$ years.

How much money was in the account at the end of $12$ years?

$

Calculate the effective interest rate that the woman received on the overall investment over

$12$ years.

$\_\%$

Use a cashflow diagram please