(Using Financial Calculator) Summer took out a cash advance of $2,040 from Lucas's City Pawn. The loan (cash advance) will be paid off over the next 5 years by monthly payments of $45.24 at the beginning of each payment period. What nominal interest rate, compounded monthly, is Summer being charged? Choose BGN or END? Round your answer (nominal interest rate) to two decimal places. P/Y = C/Y = N = (CPT) I/Y = PV = PMT = FV =