A woman makes a deposit into an account. For the first 5 years the account accumulates with a force of interest of 0.05. For the next 10 years the fund accumulates with an annual nominal discount rate of 6% convertible quarterly. For the 15 year period, what is the annual nominal interest rate convertible monthly? (A) 5.59% (B) 5.71% (C) 5.83% (D) 5.96% (E) 6.04%