Optimizing economic agents use the real interest rate when thinking about the economic costs and returns of a loan. Suppose the average rate paid by banks on savings accounts is 0.9% at a time when inflation is around 1.2?%.For the average saver, the real rate of interest on his or her savings is _____________%.?(Round your response to two decimal places and use a minus sign if necessary?.) If banks expect that the rate of inflation in the coming year will be 4.2?% and they want a real return of 8.5?%on a certain category of? loans, then the nominal rate they should charge borrowers on those loans is ___________? (round response to two decimal places.)