You have finally saved up $5,000 for a down payment for a new dirt bike. You have cut a sweet deal, negotiating the purchase price down to $10,000, plus 7% sales taxes.\After making your $5,000 down payment, you will be financing the remainder. The salesperson mentions to you that you qualify for a great interest rate and informs you that your monthly payment on a 36-month loan will be $175. What is the Annual Percentage rate (A.P.R.) and Effective Annual Rate (E.A.R.) on this loan