Suppose that Janice sets up a savings bond and pays 100 into it at the end of each month, with the bond paying annual interest of 4% compounded monthly. The interest is reinvested into a second account earning 6% annual interest compounded monthly.

a. Find the accumulated value in each account at the end of 12 months.

b. Find the yield rate (as an annual interest compounded monthly rate) that she receives over one year.

c. Find the accumulated value in each account at the end of 60 months.

d. Find the yield rate that she receives over the 5 years.