You want to borrow $$72,000$ from your local bank to buy a new sailboat. You can afford to make monthly payments of $$1,300,$ but no more. Assuming monthly compounding, what is the highest rate you can afford on a $72-$month APR loan?

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