At www.daveramsey.com's Financial Peace University fFPU), Dave recommends Seven Baby Steps. One of these steps is "Pay off debt using the debt snowball." After graduating from FPU, Courtney Lopez-Munoz is trying to calculate the effective interest rate she is paying for a $1,813 simple discount note at 54 % for 15 months. What rate has she been paying? (Do not round intermediate calculations. Round your final answer to the nearest tenth percent.) Effective interest rate