12. Problem 5.12 (Effective Rate of Interest) Find the interest rates earned on each of the following. Round your answers to the nearest whole number. a. You borrow $650 and promise to pay back $728 at the end of 1 year. % b. You lend $650, and the borrower promises to pay you $728 at the end of 1 year. % c. You borrow $53,000 and promise to pay back $283,564 at the end of 12 years. % d. You borrow $8,000 and promise to make payments of $2,219.30 at the end of each year for 5 years. %