The present value of an annuity-certain of 1 p.a. payable for an exact number of years at a given effective rate of interest is 23-19594, if payments are made half-yearly; and 23-31032 if payments are made quarterly. The amount of the annuity if payments were made yearly would be 282-6619. Calculate the term of the annuity and the effective rate of interest p.a.

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