Question 11 1 pts What is the present value of a perpetuity that offers to pay $100 next year and every year after the payment grows at 4.8%. Investments with similar risk are offering an 8% annual return. Question 12 1 pts Your bank is offering a certificate of deposit with an APR of 7.94% compounded monthly. What is the effective annual rate? Question 13 1 pts What is the loan balance in dollars) after the third payment, of a 5 year loan of $100,000 with an APR of 10% and annual payments