Find the effective rate of interest corresponding to a nominal rate of 5%/year compounded annually, semiannually, quarterly, and monthly. Round the answers to two decimal places, if necessary. 
Definitions:
Direct Supervision
The act of overseeing employees' work directly, often with the supervisor physically present or in close proximity.
Functional Departmentation
Is grouping individuals by skill, knowledge, and action.
Grouping of Individuals
The organization or classification of people into groups based on shared characteristics, objectives, or interests.
Formalization
The extent to which an organization's procedures, policies, and rules are written and strictly followed.
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