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There is no interest being charged.
Negative means people are leaving. Zero means that people are coming and going in equal amounts.
1.05
If you are given one rate, x/y then multiply (or divide) both numbers by any non-zero number. You will have an equivalent rate.
IRR is an abbreviation for the economics term internal rate of return. This is the interest rate compared to the expected profit of project or venture. An IRR is weighed against the cost of capital involved in the venture to determine the feasibility of said venture.