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4. You want to save for a car but can only afford to put $200 away per month into an account that earns 12% interest annually (APR), compounded monthly. If you need $15,000 for the car, how long before you have enough saved? 5. You borrow $25,000 from your parents as a down payment on a house. You agree to pay them $9,250 per year for 3 years. What annual interest rate are you being charged