Suppose that you are in need of a business loan. First national bank charges $8\mathrm{.}8$ percent compounded monthly on its business loans whule second united bank charges $10\mathrm{.}1$ percent compounded semiannually as a potential borrower to which bank would you go for a new loan. How would your answer change, if any if second united bank lowered their rate to $9\%$ compounded quartely