After having paid the $20,000 down payment for the solar panels and the $11,205.89 for the furnace loan, Traction Industries decided to invest the remaining funds for the full five years, in order to maximize their money and be able to purchase several other improvements before the grant deadline. At what interest rate, compounded quarterly, do they need to invest their funds in order to achieve a future value of $25,000 in five years time? What is the effective rate that would achieve the same goals? Include a detailed timeline with this set of calculations.