To finance your vacation, you needed to borrow $2000. Your options are to charge the amount on a credit card or to borrow on a line of credit. The credit card company charges interest at 15.9% compounded monthly, and for the line of credit the bank charges 11.5% compounded monthly. Even though monthly payments are normally required, if you made no payments during the next two years, then decided to repay the entire amount, which option charges you the least and by how much?