Sara plans to borrow 5,810. He has decided on a term of 95 days at 8% interest. She has a choice of two lenders. One calculates interest using a 360-day year and the other uses a 365-day year. Find the amount of interest Sara will save by using the lender with the 365-day year.

a. 1.68

b. 1.61

c. 1.62

d. 1.54