Determine the effective annualized cost of financing for the following credit terms, assuming that (1) discounts are not taken, (2) accounts are paid at the end of the credit period, and (3) use 365=day year: 

a. 1/10, n/30; 

b. 3/10, n/30; 

c. 3/10, n/60; 

d. 2/10, n/90