Calculate the APR and rEAR of non-free trade credit associated with credit terms of 4/15, net 60, and 3.5/20, net 80, assuming that customers who do not take the discount 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 4/15, net 60 3.5/20, net 80 APR % % rEAR % % 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 4/15, net 60 3.5/20, net 80 APR % % rEAR % %