Find the effective annual rate of the following credit terms:

a. 2.3% discount if paid within 14 days or net within 30 days

b. 1.4% discount if paid within 29 days or net within 60 days

c. 0.2% discount if paid within 19 days or net within 45 days

d. 0.9% discount if paid within 22 days or net within 30 days