answered question
"People Skills" means How well you interact with other people, are you polite, are you attenative, are you cognazant, aware, how well can you handle situations such as a disgruntled customer, while keeping your cool. Not everybody has good PS, but they can be learned. A person brought-up to be polite usually has good PS.
$1200 x 0.09% = $1200 x .09 = $108 that is for 1year. If the 0.09% does not change, you should have $108 x 4yrs = $432 + $1200 = $1632.00 I don't know if they will pay interest on your earned interest. I don't think so. Good Luck