What is the APR on a loan with these characteristics: loan amount of $5,000, paid in 36 monthly installments of $161.10 (with monthly compounding). (Hint: use your financial calculator to calculate the APR. Note that with monthly compounding, I/Y does NOT equal APR. This was discussed in class.) [Enter the result in percentage format, to 1 decimal place, but do not include the "\%" sign. For example, if the answer is 5.3%, enter " 5.3 ".]