Velma deposits $100 into an account that earns an annual effective interest rate of 10% for the first two years and a nominal interest rate of 8% per year compounded semiannually for the next three years. Daphne deposits $150 into an account that earns a nominal discount rate of 12% per year compounded monthly for the first three years and an annual effective discount rate of d% for the next two years. After 5 years, the accumulated value in Daphne's account is twice the accumulated value in Velma's account. Find d. (a) 8.07 (b) 16.13 (c) 18.61 (d) 19.23 (e) 58.42