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(b) Lora is trying to decide which of the following two deposit accounts in Bank A she should put her money in. Lora's only concern is the rate of return. Account (X): 3% every three months Account (Y): 6% every six months (i) Calculate the effective monthly rate for both accounts. Round your percentage answer to four decimal places. (4 marks) (ii) Which account will provide the higher monthly return? (1 mark) (iii) If Lora is going to put $200,000 into Bank A at the beginning of each of the next six months, how much at most will she have one year from now? (6 marks)