Roy deposits $10 into a fund today and $20 fteen years later. Interest is credited at a nominal discount rate of d(4) compounded quarterly for the rst 10 years, and at a nominal interest rate of 6% compounded semiannually thereafter. The accumulated balance in the fund at the end of 30 years is $100. Calculate d(4). Suppose we have compound interest and an e ective monthly interest rate of 0.5%. Find equivalent rates i(12); i; and d