Assume inflation is 0.23% per month. Would you rather earn a nominal return of 0.78% per month, compounded monthly, or a real return of 6.43% APR, compounded annually? (Note: Be careful not to round any intermediate steps less than six decimal places.) SITE The annual rate for the nominal return of 0.78% per month is (Type your answer in decimal format. Round to six decimal places.) The nominal annual rate for the real return of 6.43% APR is (Type your answer in decimal format. Round to six decimal places.) (Select from the drop-down menus.)