Problem 4: Sun&Moon Systems makes shot clocks for basketball games. The state of Missouri has decided to use shot clocks for all high school games and has awarded the contract to Sun&Moon Systems. Sun&Moon Systems needs a loan of $495,000 to buy all the additional materials to make the shot clocks. The company applies for a loan from Crook County Bank, and the bank says that Sun&Moon can borrow under a "discount loan with a 15% discount rate payable at the end of the year. What is the size of the loan Sun&Moon Systems needs from the bank? What is the effective interest rate of the loan