A business allows customers to pay with a credit card or with cash. If paid with cash, the customer receives a discount of $100r\%,$ where $98\%Pr12\%0.If$ paid with credit card, the business will not receive the funds until one month later. Also $at$ that time, the business receives only $98\%of$ the original purchase price. A customer makes a purchase $of$ amount $P.If$ the present value $of$ the cash and credit card payments are equal $so$ that the business $is$ indifferent about which payment option the customer chooses, what $isr?$ Assume a nominal interest rate $of12\%$ convertible monthly.