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Samantha wants to be able to withdraw $400 at the end of each month for three years while she travels, starting five years from now.

Samantha wants to be able to withdraw $400 at the end of each month for three years while she travels, starting five years from now. If she invests $10,000 now to earn 4.68% compounded monthly until she begins to travel, what monthly compounded nominal rate of interest must she earn after she starts to travel?

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