Western Union has granted GAMING Ltd a line of credit that allows it to borrow up to $63 million at any time. The interest rate is .42% per month. But GAMING Ltd is required to have 4.5% of the borrowed amount deposited in a non-interest-bearing account. Assume the bank uses compound interest on its line of credit loans. Show you work on the following: a) What is the effective annual interest rate on this lending arrangement? b) How much interest will it pay? you must solve the questions in excel with fromulas