Perpetually Slow Pay, Inc. buys on terms of 3/15, net 45. It does not take the discount, and it generally pays after 65 days. What is the nominal annual percentage cost of its non-free trade credit, based on a 365-day year? Enter your answer rounded to two decimal places. Do not enter % in the answer box. For example, if your answer is 0.12345 or 12.345% then enter as 12.35 in the answer box.