Laura is the owner of boutique kids clothing store. She is trying to decide if she should take advantage of a suppliers discount. As with most small businesses, money is tight and if she wants to take the discount, she would need to use her department store credit card to fund her purchases, at 19% interest. The supplier has offered tempting terms of 2/10 net 45. What is the effective interest rate of taking the early payment discount? Should she take this offer? Round your answer to 2 (two decimals). For example: 10.05%.