Evaluate the determinant. 
Definitions:
Effective Rate
The actual interest rate on an investment or loan, taking into account the effect of compounding over a given period of time.
Effective Annual Rate
It is the interest rate that is adjusted for compounding over a given period. Essentially, it represents the actual annual return on an investment or the actual cost of borrowing.
Per Month
A recurring period or frequency, indicating that an action or event occurs or is calculated on a monthly basis.
Effective Rate
The actual interest rate an investor earns or pays on an investment or loan, taking into account the compounding of interest.
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