Mark Welsch deposits $7,800 in an account that earns interest at an annual rate of 4%, compounded quarterly. The $7,800 plus earned interest must remain in the account 3 years before it can be withdrawn. How much money will be in the account at the end of 3 years? ( PV of $1, FV of $1, PVA of $1, and FVA of $1 ) (Use appropriate factor(s) from the tables provided. Round "Table Factor" to 4 decimal places.) Bill Padley expects to invest $10,000 for 5 years, after which he wants to receive $10,510.00. What rate of interest must Padley earn? (PV of $1, FV of $1, PVA of $1, and FVA of $1 ) (Use appropriate factor(s) from the tables provided. Round "Table Factor" to 4 decimal places.)