You want to be a Lyft driver. You need to have access to a car. You go to the dealer and find that you can lease a 2023 Acura for $1,301.50 per month for 5 years with no money down. The car is valued at $64,000. At the end of the lease, you can buy the car for $10,000. What is the effective APR on this scenario? Round to one decimal place and use the % symbol.