You've worked out a line of credit arrangement that allows you to borrow up to $$45$ million at any time. The interest rate is $\mathrm{.}57$ percent per month. In addition, $5$ percent of the amount that you borrow must be deposited in a non$-$interest$-$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? $($Do not round intermediate calculations and enter your answer as a percent rounded to $2$ decimal places, e$.$g$.,32\mathrm{.}16.)$

b$.$ Suppose you need $$21$ million today and you repay it in $6$ months. How much interest will you pay? $($Do not round intermediate calculations and round your answer to $2$ decimal places, e$.$g$.,32\mathrm{.}16.)$

$\backslash$table$[[$a$.$ Annual interest rate,$],[$b$.$ Interest paid,$]]$