Ella is considering to take out a loan of $$10,000$ to fund this promotion service.

The bank has offered three loan options.

$$ Option $1$: Ella needs to make daily payment of $$67\mathrm{.}2$ from $1$ January

$2024$ to $31$ May $2024($inclusive$).$

$$ Option $2$: Ella needs to make monthly payment of $$2,035$ by the end of

each month from January $2024$ to May $2024($inclusive$)$

$$ Option $3$: Ella needs to make five payments by the end of each month

from January $2024$ to May $2024($inclusive$).$ Ella needs to pay $$2,020$ for

January $2024,$ $$2,030$ for February $2024,$ $$2,038$ for March $2024,$ $$2,040$

for April $2024$ and $$2,045$ for May $2024.$

Use Goal Seek to find the implied effective annual rate $($i$.$e$.,$ j$1)$ charged by

bank for these three loan options $($Assume that there are $365$ days in a year.$).$

Which one is better?