You've worked out a line of credit arrangement that allows you to borrow up to $$80$ million at any time. The interest rate is $\mathrm{.}377$

percent per month. In addition, $5$ percent of the amount that you borrow must be deposited in a noninterest$-$bearing account. Assume

that your bank uses compound interest on its line$-$of$-$credit loans.

a$.$ What is the effective annual interest rate on this lending arrangement?

Note: Do not round intermediate calculations and enter your answer as a percent rounded to $2$ decimal places, e$.$g$.,32\mathrm{.}1$

b$.$ Suppose you need $$30$ million today and you repay it in five months. How much interest will you pay?

Note: Do not round intermediate calculations and enter your answer in dollars, not millions, rounded to $2$ decimal places,

e$.$g$.,1,234,567\mathrm{.}89.$