You are a customer of a major lumber store in the Pacific Northwest. The store want to collect on its accounts receivable faster than it used to. Thus, it offers you a 2% discount on your purchases if you pay within 10 days but demands and enforces that if you do not pay within 10 days and take the discount then you must pay the full amount within 30 days of making the purchase. What is the APR you are getting if you take your purchase discounts by paying in exactly 10 days? If you buy from the lumber store monthly what is an estimate of the Effective Annual Rate that you are earning by paying in exactly 10 days not 30?