Please please help me with this two questions i will vote good imediatly

First Century Bank wants to earn an effective annual return on its consumer loans of 5.75 percent per year. The bank uses monthly compounding on its loans. By law, what interest rate is the bank required to report to potential borrowers? Select one: a. 5.72 percent b.5.38 percent c.5.75 percent O d. 5.60 percent e.5.53 percent Ben & Jerry is evaluating a project that will increase annual sales by $215,000 and annual costs by $164,000. The project will initially require $150,000 in fixed assets that will be depreciated straight-line to a zero book value over the five-year life of the project. The applicable tax rate is 22 percent. What is the operating cash flow for this project? Select one: a. $46,380 b. $37,250 C $18,420 d. $52,620 e. $26,920