Find the interest rate (or rates of return) in each of the following situations. Do not round intermediate calculations. Round your answers to the nearest whole number.

1. You borrow $690 and promise to pay back $759 at the end of 1 year.

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2. You lend $690 and receive a promise to be paid $759 at the end of 1 year.

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3. You borrow $95,000 and promise to pay back $368,912 at the end of 13 years.

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4. You borrow $12,000 and promise to make payments of $2,771.70 at the end of each of the next 5 years.

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