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What is the present value of the following cash flow stream at a rate of 12.0%? Years 0 1 2 3 4 Cash flows $0 $1,500 $3,000 $4,500 $5,155.04 $ 9,699 $10,210 0 $10,747 O $11,284 O $11,849 Suppose your credit card issuer states that it charges a 14.295% nominal annual rate, but you must make monthly payments, which amounts to monthly compounding. What is the effective annual rate? O 15.27% O 16.08% O 16.88% O 17.72% O 18.61%