Calculate the APR and rEAR of non-free trade credit associated with credit terms of 3/25, net 85 , and 2.5/15, net 60 , 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. 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