Do I look very very very hot?

Acredit card advertises an annual interest rate of 23%. what is the equivalent monthly interest rate?

Set $r$ is a set of rectangles such that (1) only the grid points shown here are used as vertices, (2) all sides are vertical or horizontal and (3) no two rectangles in the set are congruent. if $r$ contains the maximum possible number of rectangles given these conditions, what fraction of the rectangles in set $r$ are squares? express your answer as a common fraction.

If u answer this u will get good luck for a year