Investment X for 100,000 is invested at a nominal interest rate of j convertible semiannually. After four years, it accumulates to 214,358.88. Investment Y for 100,000 is invested at a nominal interest rate of k convertible quarterly. After two years, it accumulates to 232,305.73. Investment Z for 100,000 accumulates at an annual effective rate of j for the first two years and an annual discount rate of k convertible monthly for the next two years. (a) Calculate the ratio between k and j. [6 marks] (b) If investment Z is invested at an annual effective rate of i, calculate i for the investment value at the end of four years. [3 marks] (c) Evaluate the ratio between the investment value of Z at the end of first year and between the investment value of Z at the end of fourth year. [6 marks]