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You check your credit card balance, and notice that the interest rate is quoted as 18.4% APR. You also know that interest is compounded monthly. What is the Effective Annual Rate on your credit card? Enter your answer as a percentage, rounded to two decimals, and without the percentage sign ('\%'). For example, if your answer is 0.123456, then it is equivalent to 12.35%, so you should enter 12.35 as the