Reginald is about to lease an apartment for the year. The landlord wants the lease payments paid at the start of the month. The twelve monthly payments are $$1,300$ per month. The landlord says he will allow Reginald to prepay the rent for the entire year with a discount. The one$-$time annual payment due at the beginning of the lease is $$14,778.$ What is the implied discount rate for the rent?