A firm offers terms of 2/20, net 50. What effective annual interest rate does the firm earn when a customer does not take the discount? Note: Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16. What effective annual interest rate does the firm earn if the discount is changed to 3 percent? Note: Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16. What effective annual interest rate does the firm earn if the credit period is increased to 70 days? Note: Do not round intermediate calculations and enter your