Calculate the APR and rEAR of non$-$free trade credit associated with credit terms of $\frac{3}{20},$ net $65,$ and $\frac{2\mathrm{.}5}{25},$ net $85,$ assuming that customers who do not take the discount

a$.$ pay on the last due date. Assume there are $360$ days in a year. Do not round intermediate calculations. Round your answers to two decimal places.

Credit terms of

$\backslash$table$[[,\frac{3}{20},$ net $65,\frac{2\mathrm{.}5}{25},$ net $85],[$APR$],[$rEAR$]]$

b$.$ delay payment until $15$ days after the last due date. Assume there are $360$ days in a year. Do not round intermediate calculations. Round your answers to two decimal places.

Credit terms of

$\backslash$table$[[,\frac{3}{20},$ net $65,\frac{2\mathrm{.}5}{25},$net $85$