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If there were a financial institution says that they can lend money to you with an interest rate 5%. But they do not tell you

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If there were a financial institution says that they can lend money to you with an interest rate 5%. But they do not tell you your interest payments are based on continuous time (compounding frequency is positive infinity). What is your effect annual rate (The interest rate you pay for the loan)? 5.127%. 6.127\%. 7.127%. 8.127%

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