Q（Scheweser Notes 134页）：A bank quotes certificate of deposit (CD) yields both as annual percentage rates
(APR) without compounding and as annual percentage yields (APY) that include
the effects of monthly compounding. A $100,000 CD will pay $1 10,471.31 at
the end of the year. Calculate the APR and APY the bank is quoting.
我的回答：
For APR: PV=100,000; FV=-110,471.31; N=1; CPT APR I/Y=10.47%
For APY: PV=100,000; FV=-110,471.31; N=12; CPT APY I/Y x 12=0.83%X12=10%
