To settle a $$590$ invoice, Anna can pay $$580$ now or the full amount $60$ days later.

a$.$ Which alternative should she choose if money can earn $93\%?$

$$ Pay $$580$ now

O Pay full amount $60$ days later

b$.$ What rate would money have to earn for Anna to be indifferent between the alternatives? $($Use $365$ days a year. Do not round intermediate calculations and round your final answer to $2$ decimal places.$)$

Rate

$\%$