11) A debt of $800 accumulates interest at 10% compounded semi-annually from February 1st, 2017 to August 1st, 2019, and 11% compounded quarterly thereafter. Determine the accumulated value of the debt on November 1st, 2022.
13) Patrice opened an RRSP deposit account on December 1st, 2016 with a deposit of $1000. He added $1000 on July 1st, 2018 and another $1000 on November 1st, 2020. How much is in his account on January 1st, 2024 if the deposit earns 6% p.a. compounded monthly?
15) Gerry the Gardener owed $4000 on his purchase of a new heavy-use lawn mower for his business. He repaid $1500 in 9 months, another $2000 in 18 months, and the remaining amounts owed in 27 months. If interest is 10% compounded quarterly, what is the amount of the final payment?