Alisa is 20 years old. She wants to begin saving in the bank for her oversea master study, with the first payment to come six months from now. She can save $12,000 every six months. Hang Seng Bank pays 4% interest compounded semi-annually on deposits, while Citic Bank pays 3.5% compounded daily. Round your answer to two decimals. a. Based on the EAR (or EFF\%), which bank should Alisa use? (5 marks) b. How much money will Alisa have after four years when she graduates if she uses the bank in question a? (5 marks) c. Alisa expects to withdraw the same amount of money at the end of each six months after her graduation for two years. How much will she be able to withdraw at the end of each six months