X Co. allows you to write a post-dated cheque for 130 INR dated 20 days in the future for which they give you 100 IN today. If you are unable to pay off the loan, the interest is compounded every 20 days in a year. If you are unable to pay off the amount with interest for a year, how much is the amount due from your side to X Co.? What is the APR and EAR of this arrangement? (Assume 1 year = 360 days for calculations). (APR is Annual Percentage rate and EAR is Effective Annual rate).