Sally lends 10,000 to Tim. Tim agrees to pay back the loan over5 years with monthly payments at the end of each month. Sally can reinvest the payments from Tim in a savings account paying interest at 6%, compounded monthly. The yield rate earned on Sally's in- vestment over the five-year period turned out to be 7.45%, com- pounded semi-annually. What nominal rate of interest, compounded monthly, did Sally charge Tim on the loan