g A firm buys on terms of 3/15, net 45. It does not take the discount, and it generally pays after 85 days. What is the nominal annual percentage cost of its non-free trade credit, based on a 365-day year? The firm's APR of not taking the trade credit is . (If you use percent, then do not use the percent sign. Go two places to the right of the decimal point (XX. XX). If you use decimal places, then go four places to the right of the decimal place. 0.).