Mark signs a note promising to pay $650 in 4.5 years with simple interest at 10.25%. Then, 12 months before the note comes due, the holder of the note sells it to a local bank which discounts the note based on a bank discount rate of 18%. (a) What did the bank pay the holder of the note when it was sold 12 months before maturity? $ (b) What simple interest rate did the holder of the note earn for the time the note was held? (Enter your answer as a percent. If your answer is less than 0, type 9999) %