Smith Investors places $80,000 in an investment fund. Two years after making the investment, Smith receives $10,000 and continues to receive $10,000 annually until 12 such amounts are received. Smith receives nothing further until 18 years after the initial investment, at which time $90,000 is received. Over the 18-year period, calculate the Internal Rate of Return and the External Rate of Return considering MARR= 15%.