Company A is currently cash-constrained, and must make a decision about whether to delay paying one of its suppliers, or taking out a loan. They owe the supplier $18766, and they can borrow the money from Bank A, which has offered to lend the firm $18766 for 1 month(s) at an APR (compounded) of 15%. The bank will require a (no-interest) compensating balance of 6% of the face value of the loan and will charge a $192 loan origination fee, which means Hand-to-Mouth must borrow even more than the $18766. Compute the EAR of the loan.