Question 4 10 pts 4. You are considering taking out a loan that has an 8% nominal annual interest rate. If interest is compounded quarterly (four times per year), what is the effective annual rate (EAR)? O a. 8.00% O b. 8.16% O c. 8.24% O d. 8.30% e. 8.48% Question 5 10 pts 5. All other things equal, which of the following would cause a company's DFN to be lower