Your company purchased $$10,000$ worth of inventory January $2$ on credit. The terms of sale are $3/15$ net $45.$ What is the effective annual interest rate if you pay the full amount in $90$ days?$3\mathrm{.}1\%16\mathrm{.}0\%17\mathrm{.}6\%24\mathrm{.}9\%44\mathrm{.}9\%$