Tina purchases a new computer by financing it on the “no payment until next year” plan. The cash price of the computer is $1384. The financing agreement requires equal payments every month for two years. If the first payment of $95 is due at the beginning of the month starting one year after the date of purchase, and interest is 28.8% compounded monthly during the first year, what is the monthly com- pounded nominal interest rate for the following two years?