Assume inflation is 0.24% per month. Would you rather eam a nominal return of 0.72% per month, compounded monthly, or a real return of 6.54% APR, compounded annually? (Note: Be careful not to round any intermediate steps less than six decimal places.) The annual rate for the nominal return of 0.72% per month is 0.0899049. (Type your answer in decimal format. Round to six decimal places.) The nominal annual rate for the real return of 6.54% APR is 0.642335. (Type your answer in decimal format. | Round to six decimal places.)