Your bank account pays interest with an EAR of 4%. What is the APR quote for this account based on semiannual compounding? What is the APR with monthly compounding? (Note: Be careful not to round any intermediate steps less than six decimal places.) What is the APR quote for this account based on semiannual compounding? The APR quote for the account with semiannual compounding is %. (Round to three decimal places.)