please answer both questiions

* Question 13 What is the effective annual rate (EAR) if your credit card charges you 10.45 percent compounded daily? (Assume a 365-day year.) Not yet answered Marked out of 0.50 Flag question a. 11.01 percent b. 10,82 percent c. 10.87 percent d. 10.45 percent e. 10.97 percent Question 14 Not yet answered Marked out of 7.00 You are planning to invest in Project (A) that has an initial cost $85,000. This project is expected to generate cash flows of $65,000, $35,000, and $22,000 over the next three years, respectively. After three years, the project will be worthless. If the applicable discount rate is 12%, would you invest in this project? Par question a. Accept, because the NPV is positive and equal to $22,036.70 b. Reject, because the NPV is negative c. Accept, because the NPV is positive and equal to $16,596.67 d. Accept, because the total future cash inflows $122,000 is greater than initial cost of investment $85,000, e Reject, because the total future cash inflows $122,000 is greater than initial cost of investment $85,000