What is the effective annual interest rate (EAR) of 5-year car loan for $10,000 that has monthly (end of the month) payments of $361.33? Question 5 options: 1) 39.00% 2) 1.50% 3) 46.78% 4) 42.58% 5) 19.56% 6) 3.25% 7) 18.00% 8) 3.00% 9) 36.00%