Consider a loan of $10,000 and the following pattern of cash flows. End of Year Cash Flow End of Year Cash Flow 0 - $10,000 3 1 $3,000 4 2 $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?