Sally and Kate are both 37 years old but have been investing different amounts of money for different lengths of time - Sally's portfolio: Sally saved $15 each month for 10 years at an average interest rate of 3.6% compounded monthly until she was 27 . Then she reinvested the entire amount at 3% compounded monthly for 10 years. - Kate's portfolio. Kate has been depositing $20 each month for the past 10 years into a savings account that earns an average annual interest rate of 3.6% compounded monthly. a) Determine the overall future value of each of their portfolios. Complete tables or include formula calculations as part of your solution. b) Determine the rate of return (ROR) for Sally's portfolio