A year ago you invested $1000 in a 5-year CD at an annual rate of 5%, compounded monthly. If you withdraw the funds early, the interest rate is reduced to an annual rate of 4%, again compounded monthly. Suppose that interest rates being paid on CDs are rising. How high would they have to be before you would be willing to move your money to a new 4-year CD? How to calculate the answer, using a financial calculator?