Friendly's Quick Loans, Inc., offers you "Five for four, or I knock on your door." This means that you get $4 today and must repay $5 when you get your paycheck in one week (or else) a. What is the effective annual return Friendly's earns on this lending business? (Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16.) b. If you were brave enough to ask, what APR would Friendly's say you were paying? (Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16.) a. Effective annual return b. Annual percentage rate %