Angela loans Kathy $8,000. Kathy repays the loan by paying $5,000 at the end of one and a half years and $5,000 at the end of three years. The money received at t=121 is immediately reinvested at an annual effective interest rate of 5\%. 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 = %