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You buy an item at We deliver your stuff inc. for the regular price of $120. We deliver is offering a special 0% financing deal!

You buy an item at We deliver your stuff inc. for the regular price of $120. We deliver is offering a special 0% financing deal! Simply make 12 equal monthly payments. However if you pay cash up front you get a 10% discount. What is the effective financing rate? Calculate EPR, APR and the EAR.

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