Your bank will lend you $$6,000$ for $45$ days at a cost of $$93$ interest.

a$.$ What is your annual rate of interest? $($Use $365$ days in a year. Do not round intermediate calculations. Round the final answer to $2$ decimal places.$)$

Annual rate of interest $\%$

b$.$ What is your effective annual rate? $($Use $365$ days in a year. Do not round intermediate calculations. Round the final answer to $2$ decimal places.$)$

Effective annual rate $\%$