After reading the fine print in your credit card agreement, you find that the "low" interest rate is actually an $17\mathrm{.}05\%$ APR, or $1\mathrm{.}4208\%$ per month. What is the effective annual rate?

a$.19\mathrm{.}41\%$

b$.18\mathrm{.}45\%$

c$.19\mathrm{.}56\%$

d$.18\mathrm{.}82\%$