Angela loans Kathy $6,000. Kathy repays the loan by paying $4,000 at the end of one and a half years and $4,000 at the end of three years. The money received at t = 1.5

is immediately reinvested at an annual effective interest rate of 6%. Find Kathy's annual effective rate of interest and Angela's annual yield. (Round your answers to two decimal places.)

Kathy's annual effective rate of interest__ %

Angela's annual yield__ %