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 Camry for $1,000 per month for 5 years with no money down. The car is valued at $60,000. At the end of the lease, you can buy the car for $24,220. What is the effective APR on this scenario? Round to zero decimal places and use the % symbol. (4% would be the form of a correct answer)