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3. Jen spends 9000 to buy a 12 -payment annuity, which pays K at the end of each month. The nominal annual interest rate for this annuity is 24% compounded monthly, Jen invests each of these payments of K, as she receives them, immediately into a savings account that pays an effective interest of 2% per month. What is the accumulated amount in Jen's savings account at the end of 12 months