40. Assume that Randall Ezno was born today and to celebrate his birth, his parents deposited $10,000 into an account in his name. The account pays interest of 2.35 percent p.a., with monthly compounding, and it is expected to continue paying this amount forever. Assume that exactly 1.5 years after the deposit was made, Randall's parents changed their minds and withdrew $10,000 from the account (all that remained in the account was the interest earned in the first 18 months). How much money will be in Randall's account on his 65th birthday? 41. It is now January 1. You plan to make 5 deposits of $300 each, one every 6 months, with the first payment being made exactly six months from today. If the bank pays a nominal interest rate of 12% but uses semiannual compounding, how much will be in your account exactly 12 years from today