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The Business Development Bank is willing to loan Alysha the $21,000 she needs to start her new business. The loan will require monthly payments of $519.65 over 5 years. What is the effective monthly rate on this loan? (Round answer to 1 decimal place, e.g. 15.2%. Do not round your intermediate calculations.) Effective monthly rate % With monthly compounding, what is the nominal (annual) interest rate on this loan? (Round answer to 1 decimal place, e.g. 15.2\%.)