please note the message regarding rounding :)

You get a new credit card from your bank. The document that comes with the card informs you that the interest rate on that card is 13.6% APR. What is the effective annual rate you'll actually be paying? The credit card company uses monthly compounding of interest. Enter your answer as a percentage, rounded to 2 decimals, and without the percentage sign ('\%'). For example, if your answer is 0.23456, then enter 23.46