Bruce deposits 500 into a bank account. His account is credited interest at an annual nominal rate of interest of 3.6% convertible semiannually. At the same time, Peter deposits 495 into a separate account. Peter's account is credited interest at an annual force of interest of o. After 45 months, the value of each account is the same. Calculate o 0.038 0.040 0.043 0.047 0.049