+3146 
+118687
admin *:
Don't complicate things unnecessarily!!!.
First, convert the interest rate from daily compound to annual effective rate.
So, 3.10%=.0310/365+1=1.0000849315.......etc.,.............(1)
Then raise (1) above to 365th power, which gives you annual effective rate of
1.0314841460.....etc........................................................(2)
Raise (2) above to the 6th power(for 6 years) & multiply it by the principal, or:
(1.0314841460)^6 X $28,210=$33,976.48 - $28210=$5,766.48, which is total interest over 6 years.
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