I invest $500 at the beginning of each month for ten years. Starting from the eleventh year, I withdraw a constant amount Sx at the end of each quarter for five years. Use an annual nominal interest rate of 3% convertible monthly. For parts (a) to (d), please give your answers to at least five significant figures. (a) What is the monthly effective interest rate? (b) (d) What is the annual effective interest rate? What is the quarterly effective interest rate? What is the annual nominal discount rate convertible monthly? Draw two time diagrams, one showing the investment phase and one showing the withdrawal phase of the situation described above. Please clearly mark your time points, and indicate what your time unit is. (e) Calculate the value of my investment at the end of the tenth year. Calculate the quarterly withdrawal amount Sx