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4. Calculate the APR and rEAR of non-free trade credit associated with credit terms of 3/10, net 50 , and 2.5/15, net 45 , assuming that customers who do not take the discount (assume 360 day year)t: (a) pay on the last due date, and (b) delay payment until 10 days after the last due date. 5. How does working capital management impact a company's free cash flow and EVA