Cierra and Darcy have separate chequing accounts. Cierra pays the mortgage and phone bills while Dracy pays for food, utilities, insurance, and car payments. Both must pay a monthly charge of $15 due to low balances. Darcy's chequing account already covers ATMs in many locations 24 hours a day and he believes this service is necessary for his business but for an additional monthly fee, the bank will also provide a credit card, a safety deposit box, and a single monthly statement summarizing all transactions. 1- How should Darcy assess his needs for financial services? On what basis he should compare the financial services? 2- What are the pros and cons of having separate accounts compared to having a single joint account