A) Joshua borrowed $500 on January 1, 2017, and paid $30 in interest. The bank charged him a service charge of $22. He paid it all back at once on December 31, 2017. What was the APR? (Enter your answer as a percent rounded to 1 decimal place.)

B) Joshua borrowed $900 for one year and paid $45 in interest. The bank charged him a service charge of $12. If Joshua repaid the loan in 12 equal monthly payments, what is the APR?