You are thinking to borrow money from the bank. APR on the loan is $5\%.$ What is highest EAR possible for this loan? $($a$)5\mathrm{.}13\%($b$)5\mathrm{.}12\%($c$)5\mathrm{.}08\%($d$)5\mathrm{.}00\%($e$)$ Not possible to answer using only information given in the problem.