Tina Mier must pay a $4,500 furniture bill. A finance company will loan Tina $4,500 for 8 months at a 9.63% discount rate. The finance company told Tina that if she wants to receive exactly $4,500, she must borrow more than $4,500. The finance company gave Tina the following formula: What to ask for = Amount of cash to be received 1 (Discount rate Time of loan) a. Calculate Tinas loan request. (Do not round intermediate calculations. Round your final answer to the nearest cent.) Loan request $ b. Calculate the effective rate of interest. (Do not round intermediate calculations. Round your final answer to the nearest hundredth percent.) Effective rate of interest %