10100(1+0.06/4) {40}
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10100 * (1 + 0.06/4) * 40
= 10100 * (1 + 0.015) * 40
= 10100 * 1.015 * 40
= 10100 * 40.6
= 410060
= 10100 * (1 + 0.015) * 40
= 10100 * 1.015 * 40
= 10100 * 40.6
= 410060
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