Find the interest rates, or rates of return, on each of the following:

a. You borrow $700 and promise to pay back $749 at the end of 1 year.

b. You lend $700 and receive a promise to be paid $749 at the end of 1 year.

c. You borrow $85,000 and promise to pay back $201,229 at the end of 10 years.

d. You borrow $9,000 and promise to make payments of $2,684.80 per year for 5 years.