Jeff deposits 200 into a fund today and 300 twenty years later. Interest for the first 15 years is credited at a nominal discount rate of d compounded semiannually, and thereafter at a nominal interest rate of 3.4% compounded quarterly. The accumulated balance in the fund at the end of 25 years is 2000. Calculate d. 11.4% 11.7% 12.196 12.4% 12.996