Satwinder deposited one $$145$ at the end of each month for $15$ years at $7\mathrm{.}5\%$ compounded monthly. after her last deposits she converted the balance into an ordinary annuity paying $$1200$ every three months for $12$ yearz. If interest on the annuity is semi annually what is the nominal rate of interest paid by the annuity? Show it step by step. The answer is $3\mathrm{.}09\%$