Could you please answer these questions step by step using the necessary formula or a finance calculator, if you're using the finance calculator, please let me know the inputs and what did you do. 21) Natalia initially deposited $1,000 in to a savings account for five years, paying 4%p.a. compounded annually. Starting 6 years from now, she deposited $500 each year into the account, for 7 years, and the interest rate rises to 7.5% p.a. compounded monthly. What is the balance in her account at the end of 12 years? 20) The dividend for Annen's ordinary shares is expected to be $1.20 next year. This dividend is expected to grow at a rate of 6% for the following two years, after which is expected to grow at 4% each year for the foreseeable future. If the required rate of return on these shares is 12%, what is the approximate current value of the firm's shares? 19) A $2,000 bond with 8 years to maturity is currently selling for $2,055. If the yield to maturity is 9.5%, calculate the bond's coupon interest rate