Find the interest rates earned on each of the following. Round your answers to the nearest whole number.

1. You borrow $720 and promise to pay back $792 at the end of 1 year.

   %

2. You lend $720 and the borrower promises to pay you $792 at the end of 1 year.

   %

3. You borrow $58,000 and promise to pay back $116,659 at the end of 5 years.

   %

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

   %