If a consumer borrows a payday loan of $200 and in 14 days pays off the loan including a finance charge of $37.24, what is the effective annual rate of return? Part 1 of 2 Which formula should be used to find the effective annual rate of return? Select all that apply. A. I=Prt B. A=P(1+rt) C. A=P(1+i)n,i=mr,n=mt D. reff=(1+mr)m1 E. reff=(A)1/t1 F. S=R[1(1+)n1] G. =R[11(1+1)n] Part 2 of 2 What is the effective annual rate of return? (Round the final answer to two decimal olaces.) %