Joseph is a friend of yours. He has plenty of money but little financial sense. He received a gift of $20,000 for his recent graduation and is looking for a bank in which to deposit the funds. Partners' Savings Bank offers an account with an annual interest rate of 3.50% compounded semiannually, while Selwyn's offers an account with a 3.25% annual interest rate compounded continuously. Calculate the value of the two accounts at the end of one year, and recommend to Joseph which account he should choose