REACHING A FINANCIAL GOA Six years from today you need $10,000. You plan to deposit $1,500 annually, with the first payment to be made a year from today, in an account that pays 9% effective annual rate. Your last deposit, which will occur at the end of Year 6, will be for less than $1,500 if less is needed to reach $10,000 How large will your last payment be? Round your answer to the nearest cent. EFFECTIVE INTEREST RATE You borrow $160,000; the annual loan payments are $11,623.83 for 30 years. What interest rate are you being charged? Round your answer to two decimal places