You want to buy a new sports coupe for $$90,500,$ and the finance office at the dealership has quoted you an APR of $7\mathrm{.}2$ percent for a $48-$month loan to buy the car. What is the effective annual return $($EAR$)$ on this loan?

Enter your answer as a percentage rounded to two decimal places. For example, if your answer is $1\mathrm{.}23\%,$ enter $1\mathrm{.}23$ and not $0\mathrm{.}0123$ or $0\mathrm{.}01.$