Company X sells on a 1/15, net 90, basis. Customer Y buys goods with an invoice of $6,000. How much can company Y deduct from the bill if it pays on day 15? How many extra days of credit can company Y receive if it passes up the cash discount? What is the effective annual rate of interest if Y pays on the due date rather than day 15? (Use 365 clays in a year. Do not round intermediate calculations. Enter your answer as a percent rounded to 2 decimal places.)