Shayla's fridge died and she needs to buy a replacement right away. Her payment options are

1) Nothing down and then 12 monthly payments of $60 (at the end of every month) for 1 year.

2) $85 down, no payments for the first year and then 12 monthly payments of $61.801 (round this number off to 2 decimals) at the beginning of each month starting exactly one year from today.

3) $817.46 in cash.

The nominal interest rate is 11% compounded monthly.

a) If Shayla wants the cheapest price she should choose option. (Answer is just 1,2 or 3)

b) If Shayla wants the plan with the lowest monthly payment amount she should choose option.

c) If Shayla has only $100, is unemployed but expects to find work in the next 6 months, she should choose option.

d) What is the present value of option 2?(Click to select)

784.2401029099743

711.7171264173494

717.4620334095084

632.4620334095084

(Pick the closest answer, ignore all the stupid extra decimal places.)