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Add edge case test for rate with zero payment#138

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Add edge case test for rate with zero payment#138
Anurag42-git wants to merge 1 commit intonumpy:mainfrom
Anurag42-git:main

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What this PR does:
-Adds an edge case test for the rate function when payment is zero

Why this change is needed:
-Improves test coverage and numerical stability checks in numpy-financial

Issue reference:
-Fixes #58

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We need more thorough test coverage

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