A new sports coupe costs $$59,788$ and the car dealer's finance office has offered you a $36-$month loan at an APR of $8\mathrm{.}6\%.$ What is the EAR?

Do not round intermediate calculations. Round your answer to the nearest hundredth of a percent. Express your answer as a percent $($e$.$g$."8\mathrm{.}01"$ for $8\mathrm{.}01\%).$