Gino invested $$20000$ in a fixed term deposit for three years with interest of $3\mathrm{.}85\%$ pa$.$ compounded monthly. Inflation over the period averaged $1\mathrm{.}8\%$ pa$.$

$(6$ marks$)$

a$)$ What is the value of Gino's investment after three years?

b$)$ What is the volue of the $$20000$ indexed for inflation?

c$)$ What is the real increase in value of the investment?

d$)$ Calculate the real averoge annual percentage increase in the investment.