The effective annual interest rate is 2.75%. Tamara has an annual pay annuity immediate that lasts 10 years. Her first payment is $1.00 and each payment increases by $2.00 from the one before. Man-Duen has an annual pay annuity immediate whose initial payment is $1.00 and whose payments increase 8.00% per year. a) Write down the equation for the future value of Tamaras annuity. b) How many years does Man-Duens annuity have to last for it to be worth more than Tamaras?