You have some money on deposit in a bank account which pays a nominal APR (or quoted) rate of 8.0944 percent, but with interest compounded daily (using a 365 day year). Your friend owns a security which calls for the payment of $10,000 after 27 months. Your friend's security is just as safe as your bank deposit, and your friend offers to sell it to you for $8,000 today. If you buy the security, by how much will the effective annual rate of return on your investment change from what you were earning in the bank?