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alter 10 years. Exercise 3.5. You're saving up for a trip to Hawaii and want to minimize how much time you need to save up. If you estimate the cost of the trip to be about $10,500, which would require less time: 1. To initially deposit $4,000 into an account that has an APR of 4.2% compounded annually. 2. To initially deposit $3,500 into an account that has an APR of 3.95% compounded semi-annually