Consider a loan of $10,000 and the following pattern of cash flows.

End of Year	0	1	2	3	4
Cash Flow ($)	-10,000	3,000	4,000	5,000	6,000

a. What is the interest rate that makes the present worth equal to $0.00?

b. Using the interest rate determined in part (a) and leaving the -$10,000 at year 0 in place, determine the equal annual incomes that are equivalent to the gradient series in years 1, 2, 3, and 4.