First National Bank charges 14.2 percent compounded monthly on its business loans. First United Bank charges 14.5 percent compounded semiannually. As a potential borrower, you decide to compare their effective annual rates. First National Bank's business loans have an EAR of percent, whereas First United Bank's loans have an EAR of percent. (Do not include the percent signs (%). Round your answers to 2 decimal places. (e.g. 32.16))