Alicia, a StFX student, 20 years old, is thinking about opening a savings account or a tax-free savings account to start saving. She has a part-time job that brings her $400/month and her parents give her an additional $500/month for living expenses. She has recently established a budget to keep her expenses at $700/month, so she can save $200/month. Currently she has no savings or debt. Understanding that you are taking Personal Financial Management course, she comes to you for advice. You promise to give her an answer and take sometimes to do some research online as well as visit the current banks in Antigonish. Given her current situation, which type of account do you suggest that she open and your reasons? At what institution(s) will she get the best rate? What are some of the factors she should also consider in choosing which bank/credit union to open the account with? Briefly explain them.