expenses; Iuckily you have one with a low (fixed) rate of 14.73% APR. Which payment option is best for you? Your monthly discount rate is %. (Round to four decimal places.) For you, the present value of option (b) is $[ (Round to the nearest dollar.) Which is the correct decision and why? (Select the best choice below.) A. Accept option (b) because it is more expensive than option (a). B. Accept option (b) because it is less expensive than option (a). C. Accept option (a) because it is less expensive than option (b). D. Accept option (a) because it is more expensive than option (b)