Question 21 (5 points): At the end of your credit card billing cycle (June 15th ), you have a balance of $8,000. On June 28th, you made a $2,000 payment on the account, and on July 2nd, you used your card to make a purchase of $2,500. The next billing cycle ends July 15th. a) What is the average daily balance that will be used to calculate your finance changes for the month? (5 points) b) If your credit card lender charges an annual rate of 15 percent on the average daily balance, what is the finance charge for the billing cycle? (3 points)