In exchange for a $$300$ million fixed commitment line of credit, your firm has agreed to do the following: Pay $1\mathrm{.}93$ percent per quarter on any funds actually borrowed. Maintain a $4\mathrm{.}5$ percent compensating balance on any funds actually borrowed. Pay an up$-$front commitment fee of $\mathrm{.}45$ percent of the amount of the line. Ignoring the commitment fee, what is the effective annual interest rate on this line of credit? Note: Do not round intermediate calculations and enter your answer as a percent rounded to $2$ decimal places, e$.$g$.,32\mathrm{.}16.$ Suppose your firm immediately uses $$115$ million of the line and pays it off in one year. What is the effective annual interest rate on this $$115$ million loan? Note: Do not round intermediate calculations and enter your answer as a percent rounded to $2$ decimal places, e$.$g$.,32\mathrm{.}16.$