Carol deposited $500 into her credit union account on January 1, 2011. What will be in the account on January 1, 2016, if interest of 5% with semi-annual compounding is applied for 2011, interest of 6% with semi-annual compounding is applied for 2012 and 2013, and interest of 4.5% with semi-annual compounding is applied for 2014 and 2025? What effective rate of return did Carol earn over the 5-year period