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If you ran a bank, which rate would you rather advertise on monthly-compounded loans, the EAR or APR? Which rate would you rather advertise on

If you ran a bank, which rate would you rather advertise on monthly-compounded loans, the EAR or APR?

Which rate would you rather advertise on quarterly-compounded savings accounts, the EAR or APR?

Explain. As a consumer, which would you prefer to see and why?

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