You$$ve worked out a line of credit arrangement that allows you to borrow up to $$50$ million at any time. The interest rate is $\mathrm{.}51$ percent per month. In addition, $5$ percent of the amount that you borrow must be deposited in a non$-$interest$-$bearing account. Assume that your bank uses compound interest on its line of credit loans.

What is the effective annual interest rate on this lending arrangement?

Note: Do not round intermediate calculations and enter your answer as a percent rounded to $2$ decimal places, e$.$g$.,32\mathrm{.}16.$

Suppose you need $$15$ million today and you repay it in six months. How much interest will you pay?

Note: Do not round intermediate calculations and round your answer to $2$ decimal places, e$.$g$.,32\mathrm{.}16.$