Your engineering economy expert friend is given two secure bonds and have the option to choose either one, only once. The first bond has Par value of $10,000 and a coupon rate of 6% payable quarterly and will mature in 4 years. The other bond has a Par value of 12,000 and a coupon rate of 3.5% payable annually and matures in 8 years. a) What are the cash flows for each of the bonds? b) If you know your friend is indifferent between selecting any of these two bonds, what is the effective TVOM for your friend