only questions 19 and 21. please show all steps

19. You lend a friend $10,000 for which your friend will repay you $27,027 at the end of 5 years. What interest rate are you charging your "friend"? 20. (Nonannual compounding using a calculator) Bowflex's television ads say you can get a fitness machine that sells for $999 for $33 a month for 36 months. What rate of interest are you paying on this Bowflex loan? i= 11,627 21. One bank offers you 5% interest compounded semi-annually. What is the equivalent rate if interest'is compounded quarterly