Today, you borrowed $15,000 at 4.5% compounded monthly and have agreed to pay off the loan by making equal bi-weekly payments over the next 4 years. Assume you were asked to find the amount of your bi-weekly payment using the annuity present value formula. What interest rate would you use in the formula? Do not round intermediate calculations. Round the final answer to 2 decimal places. Omit the % sign in your response. For example, an answer of 15.39% should be entered as 15.39.