quarterly A=P(1+r/(4))4t
continuously A=pert
quarterly A=3000(1+ .05/4)40 =3000(1.0125)40 =4930.86
conintuously A=3000e0.05(10) =4946.16
4946.16-4930.86 = $15.30 more is earned by continuous compounding than by quarterly compounding