Assume infation is 0.19% per month. Would you rather eam a nominal setum of 0.76% per montr compounded monthy, or a rea retum of 6.53% APR, compounded annuafy? (Mote Be earefue not in round any infermedate stops less than sax decimal places.) The annual race for the nomenal return of 0.70 \% per monter is (Type your answer in decinial format. Aound to six decimal places.)