0. Assume that your friend chooses the CommBank Awards credit card. After about six months of using her new card as planned, she suddenly loses her casual job. As a result, she cant repay the full balance that month and only makes the minimum repayment. She soon finds another job. She keeps spending at a rate of $1,000 per month given that these expenses are needs and she cant really go without them. At the end of the next month (having accumulated another $1,000 of balance), she repays $1,000 and keeps doing the same for the next 6 months. Calculate the net monetary benefit for the 12-month period described, again assuming an alternative interest rate of 0.3% p.a.