A portfolio is composed of two stocks, A and B. Stock A has a standard deviation of return of 18% while stock B has a standard deviation of return of 13%. The correlation coefficient between the returns on A and B is 0.36. Stock A comprises 47% of the portfolio while stock B comprises the rest. What is the standard deviation of the return on this portfolio? Enter answer in percents, to two decimal places. You are taking out a loan at a 11% apr, compounded monthly. What is your effective annual rate? Enter answer in percents, accurate to two decimal places