A PLAM has the following terms: loan amount: $$250,000,$ real interest rate: $5\mathrm{.}50\%,30-$ year term, $2\mathrm{.}00$ discount points, monthly payment in year one is $$1,419\mathrm{.}47$ and monthly payment in year two is $$1,490\mathrm{.}45,$ observed inflation EOY$2$: $4\%,$ observed inflation EOY$3$ through EOY$30$: $0\%.$ What is the APR of this loan? Use financial calculator keystrokes