You plan to buy a new HDTV.The dealer offers to sell the set to you on credit. You will have 3 months in which to pay, but the dealer says you will be charged a 15 percent interest rate; that is, the nominal rate is 15 percent, quarterly compounding. As an alternative to buying on credit, you can borrow the funds from your bank. At what nominal bank interest rate (APR compounded monthly) should you be indifferent between the two types of credit?