Scenario: Starting today a bank receives an annuity due with semi-annual loan payments of $5,780 on a $190,000 loan. There are 18 years until the loan is paid off. What is the APR on this loan? (enter answer as a percentage rounded to 2 decimal places) Question 13 1 pts Scenario: You call a mortgage lending, and you are told that the current mortgage rate for someone with your approximate credit is 7.35% APR. What is the EAR if this rate is compounded daily? (enter your answer as a percentage rounded to 2 decimal places). Question 14 1 pts Scenario: You work for a payday loan company. You want to earn an effective annual interest rate of 4,250%. The interest rate is compounded monthly. What APR would you be required to report to borrowers? (enter your answer as a percentage rounded to 2 decimal places)