Priya invests 1,000 at an annual nominal interest rate of r%, compounded monthly. Lois invests 1,000 at an annual effective rate of r%. Adam invests 1,000 at a continuous force of interest of r%. It is known that r>0. Determine whose account will have the most and the least amount after one year.

1. Most: Adam; Least: Lois

2. Most: Priya; Least: Lois;

3. Most: Lois; Least: Adam;

4. Most: Adam; Least: Priya;

5. Most: Lois; Least: Priya;