The amount in Martin's account t years after depositing $1000 in Midland State Bank is represented by A(t)≈1000·1.00654t . What is the effective quarterly interest rate, rounded to the nearest hundredth?

Assume that there is a 11% rate of disk drive failure in a year. a. if all your computer data is stored on a hard disk drive with a copy stored on a second hard disk drive, what is the probability that during a year, you can avoid catastrophe with at least one working drive? b. if copies of all your computer data are stored on four independent hard disk drives, what is the probability that during a year, you can avoid catastrophe with at least one working drive?