Find the future value of the following ordinary annuities. a. Future value of $400 each 6 months for 5 years at a nominal rate of 12% compounded semiannually b. Future value of $200 each 3 months for 5 years at a nominal rate of 12%, compounded quarterly c. The annuities described in parts a and b have the same total amount of money paid into them during the 5 year period, and both earn interest at the same nominal rate, yet the annuity in part b earns $101.75 more than the one in part a over the 5 years. why does this occur?