Fred just borrowed $18,500 to buy a used minivan. The terms of the loan require him to make equal semi-annual payments for 5 years plus an extra payment of $1,700 in 5 years. His first semi-annual payment is due today. If Freds regular semi-annual payment is $2,025.46, then what is the EAR of his loan? Answer as a rate in decimal format so that 12.34% would be entered as .1234 and 0.98% would be entered as .0098.