The end of the month has arrived and Marina was only able to save up a portion of the money she owed so far. This means she will have to delay paying off on the remaining amount. Besides the delayed payment fee that she is charged, she will now have to pay interest on the remaining amount until it is paid off. The APR $($annual percentage rate$)$ is $46\mathrm{.}5\%,$ but the interest is compounded daily.

What is the effective interest rate that Marina will actually be paying? Enabling unlimited submissions requires answers to be formatted. Format answers as follows:

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Dollar amount answer should be rounded up to the whole dollar $($no cents$/$decimals$).$

Interest rate answers should be rounded up$,$ and include two decimal places.