Live Forever Insurance Company is selling a perpetual annuity contract that pays $3,600 monthly. The contract currently sells for $339,000. What is the monthly return on this investment vehicle? Note: Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16. What is the APR? Note: Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16. What is the effective annual return? Note: Do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16