Friendly's Quick Loans, Inc., offers you "three for four or I knock on your door." This means you get $$3$ today and repay $$4$ when you get your paycheck in one week $($or else$).$ What's the effective annual return Friendly's earns on this lending business? If you were brave enough to ask, what APR would Friendly's say you were paying?

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$\backslash$table$[[$Present value,$$3$