As part of a new program to advance engineering solutions for the commercialization of fusion energy, the Dallas engineering firm 'SRV Engineering' will get a loan of $40 million. To pay this loan back, the firm will make monthly payments of $447,000 during 12 years. You're helping the firm assess the impact of this loan on their finances. Using your Excel skills and understanding of financial functions, calculate the following:

- The monthly rate for this loan

- The annual rate for this loan

- The effective annual rate for this loan

- Total amount paid after 12 years

SRV Engineering understands the risk of getting too deeply into debt. Suppose that instead of getting a $40 million loan, the firm decides to make an investment. They will make monthly deposits of $447,000 into an investment account. This investment pays 4.5% annual interest rate. How much would the firm have in this investment after 12 years?

- Note 1: deposits are made at the end of each month

- Note 2: no initial investment was made before monthly payments, i.e., the initial investment amount is $0