*PLEASE DONT USE EXCEL*

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(a) Rosarina makes RM3,000 contributions at the end half year to a retirement account for a period of 8 years. For the next 20 years, she makes no additional contribution and no withdrawals. i. If the account earns 7.5% compound semiannually, find the value of the account after 28 years. ii. If the account is used to set up an annuity that pays her an amount at the beginning of each 6 month period for the next 20 years, how much will each payment be. (4 marks)