Bank A pays an APR of 7.2% with monthly compounding. Bank B pays an APR of 7.4% with semi-annual compounding. Express both as an Equivalent Annual Rate (EAR) and decide which account is better for an investor. Bank A is about 0.1% better as an EAR Bank A is about 0.2% better as an EAR Bank A is about 0.1% worse as an EAR Bank A is about 0.2% worse as an EAR