You're buying your first house for $800,000. You're putting 20% down payment, and borrowing the rest. The bank will give you a 15-year mortgage loan with an interest rate (APR) of 3.08% per year. What is your effective annual rate [also known as the EAR]? Select one: O a. 3.1690% O b. 3.0000% O c. 3.0800% O d. 3.0631% O e. 3.1239%