Function EFFECTyan(APR1 As Variant, n1 As Integer, n2 As Integer) As Variant

' author yuxing.yan at canisius dot edu 
' date : 2/4/2013

     Dim i, n, roduct As String
     If n1 > 365 And n2 > 365 Then
          EFFECTyan = APR1
     ElseIf n1 > 365 And n2 < 365 Then
          EFFECTyan = Exp(APR1) ^ (1 / n2) - 1
     ElseIf n1 < 365 And n2 > 365 Then
          EFFECTyan = n1 * Log(1 + APR1 / n1)
     Else
          EFFECTyan = (1 + APR1 / n1) ^ (n1 / n2) - 1
     End If
     
End Function