Digital Access Inc. needs $328,000 in funds for a project. (Assume the loan term is one year.) a. With a compensating balance requirement of 18 percent, how much will the firm need to borrow? (Do not round intermediate calculations.) Amount to be borrowed b. Given your answer to part a and a stated interest rate of 15 percent on the total amount borrowed, what is the effective rate on the $328,000 actually being used? (Input your answer as a percent rounded to 2 decimal places.) Effective rate of interest