A firm offers terms of 1.6/10, net 60. What effective annual interest rate does the firm earn when a customer does not take the discount? (Use 365 days a year. Do not round intermediate calculations and round your final answer to 2 decimal places, (e.g., 32.16)) What effective annual interest rate does the firm earn if the terms are changed to 2.6/10, net 60, and the customer does not take the discount? (Use 365 days a year. Do not round intermediate calculations and round your final answer to 2 decimal places, (e.g., 32.16)) What effective annual interest rate does the firm earn if the terms are changed to 1.6/10, net 75, and the customer does not take the discount? (Use 365 days a year. Do not round intermediate calculations and round your final answer to 2 decimal places, (e.g., 32.16)) What effective annual interest rate does the firm earn if the terms are changed to 1.6/15, net 60, and the customer does not take the discount? (Use 365 days a year. Do not round intermediate calculations and round your final answer to 2 decimal places, (e.g., 32.16))