Finance: Assume that a depositor deposits 100 with his/her bank for consecutive three years and the annual percentage rate (APR) quoted by the bank is 10% compounding quarterly. Based on this example, please discuss (1). the difference between simple interest and compound interest carned by the depositor at the end of the third year, and (2). the difference between the annual percentage rate (APR) and the effective annual rate (EAR)