Determine the amount of money in a savings account at the end of three years, given an initial deposit of $11,000 and an 12 percent annual interest rate when interest is compounded (a) annually, (b) semiannually, and ( c ) quarterly. Use Appendix A. (Round "FV Factor" to 3 decimal places. Round the final answer to the nearest whole dollar.) Calculate the effective annual interest rate of each compounding possibility.(Round the final answer to 2 decimal places.)