Dorothy Laymon is considering two bank card offers that are the same in all respects except for the following. Bank A charges no annual fee and charges monthly interest of 2.29% on the unpaid balance. Bank B charges a $24 annual fee and monthly interest of 2.06% on the unpaid balance. From her records, Dorothy has found that the unpaid balance she tends to carry from month to month is quite consistent and averages $860. Estimate her total yearly cost to use the card if she chooses the card from (a) Bank A (b) Bank B. (a) Her total yearly cost to use the card if she chooses the card from bank A is $ (Round to the nearest cent as needed.)