Calculate the equivalent interest rate (to the nearest 0.01%) 
Definitions:
Temperament
The combination of mental, physical, and emotional traits of a person; natural predisposition.
Thomas and Chess
Psychologists who are known for their research in child temperament, identifying nine temperamental characteristics that they argue influence an individual's personality development.
Irregular Schedules
Reinforcement schedules in operant conditioning where the reinforcement is provided after unpredictable numbers of responses or intervals of time, leading to variable patterns of behavior.
Temperament
Temperament refers to the innate aspects of an individual's personality, including their disposition and natural reactions to situations.
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