Great Western Bank has offered a special certificate of deposit (CD) tied to the Hang Seng index. Funds are
deposited into the account at the beginning of this year and are held for 3 years. Interest is credited to the account at the end of 3 years and the amount of interest paid is based on the performance of the Hang Seng index. Specifically, at the end of 3 years, if the value of the index is ST , then the interest paid is
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