A used car dealer advertises financing at 0% interest over 4 years with monthly payments. You must pay a processing fee of $1000 at signing. The car you like costs $15,000. (a) What is your effective annual interest rate? (b) You believe that the dealer would accept $13,500 if you paid cash. This is interpreted by you that the real worth of the car is $13,500. From your perspective, what is the effective annual interest rate would you be paying if you financed with the dealer... Answer in detail with MS Excel including formulas.